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Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for. How long have I got you for today? Oh, I can be done much earlier than thirty minutes, my friend. Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email. I just need to confirm your date of birth and address that we would have on file. Yep. Yeah. That's the one we've got all that updated. Thank you for that. And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Cool. Paul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight. Is that still correct? Beautiful. Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super and just sort of what's been going on in the market, a few ideas to run by you. Is there anything else in particular that you want me to focus on today? Perfect. Before I jump into those areas, are you okay for me to just update a few details that we have on file? No worries at all. So I'm just having a quick look because we've got a new system here kind of custom built for us. It's really good, but I just need to make sure all this is current. For the address that you gave me before, we did have a PO box also listed. I'm just wondering if you're still using that for postage. Perfect. I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well. I'm just making sure that the PO box isn't on there anymore. Perfect. I believe my my admin, Michelle, I think she'd already updated it for you because that was quite an old PO box. Alrighty. Outside of that, we've got you just as far as relationship and family go, we've got your partner Elizabeth and three children. Is that correct? Beautiful. They're all still on the eighteenth at the moment, still counted as dependent. Yes, please. As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future. I do have a home and mortgage listed. Just wondering kind of where you're at with regards to the property goal. Perfect. And did you require any investment properties, or is it still just paying off this mortgage at the moment? Yep. No. That's fair enough. I I hear the same sentiment echo pretty much everywhere these days. I'm gonna do a quick online evaluation update. Just wondering how the mortgage is sitting at the moment. We last had it at $5.28. $5.21.5. Beautiful. And how much do you reckon you would you have to balance for? Cool. I'll go to service with that one. I think they had $9.50. I'll just bump it up to $9.90. Is that okay? Perfect. Last couple of financial details. We've got a car there, which I believe you had a a loan on at the time. Still only about 20,000 on the car. And 30,000. And is the resale value of the vehicle running about the same? Perfect. Perfect. That one's done. Any other loans or liabilities floating around? Credit card, personal loan? Dormant. Beautiful. I was having a look at the contributions through the super, and I can see you're still with North Coast Smallgoods. Correct? Yep. We had you there as a on based on the contributions, I'm guessing your income's a little over 60,000 at the moment. Over 60,000 is what I'm estimating for the income. Perfect. 1,300 a week. Thanks. Thank you. Just in terms of the cash flow there, based on I know the prices of petrol and everything going up and down and mortgage rates and everything. But are you managing to set aside a certain amount into savings each week, or how does the budgeting go? No. Not many people can. Probably out of every 20 people I talk to, maybe two people have a business that they have set aside at the moment. Outside of that, so what would be, like, the main focus for you guys at the moment? Obviously, just trying to handle the mortgage and and day to day expenses. You put a pause on the property ideas at the moment. Anything else that you're doing? Renovations or anything, Holiday? Yes. Alright. Few things here and there. And a shirt. That sounds great. And alright. We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right? Okay. And I'm having a look at the the super at the moment. We basically had you as, like, a a growth risk profile. So 80% in, like, shares, property, gold. You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%. Does that ring a bell? Gotcha. Gotcha. So the way it would kind of work, I'll give you an example with your account. Because you're sitting in growth, it can be considered a bit above medium risk because it is primarily focused on, you know, capital growth long term. You obviously don't wanna be sitting in either a growth or high growth risk profile if you're, like, 65 years old. Because, you know, once you've built up a million dollars, probably don't wanna lose half of it a day before you retire, if that makes sense. Now in terms of volatility, I'll give you a bit of an idea in dollar terms. So when your account had a a market drop in March, it's actually dropped twice this year. Still in the positive for the year, but when the Iran war kicked off, it went from 97,000 down to 90, and now it's bounced back up to $10.02. So that's kind of how it goes in the growth is it can drop that, you know, five, 15%, but then it can grow 10, fifteen, twenty. What tends to happen is, like, if every seven years, the market tends to grow for, like, five or six, and then it crashes then it grows, then it crashes. There's always a COVID or a GSE or something. Right? So what you're basically aiming for is, like, a nice, consistent average return of, say, above 9% would be ideal. Now just having a look at a full breakdown of yours, we've got you in growth portfolio. It's grown roundabout 42% over the last, give or take, four years. So you've just cleared just under 11% per annum after fees. It's a little bit lower this year. It's only gone up about $6.5 from the growth and then contributions on top. Around the around the industry. People kind of lagging behind at 6%, and they just really need to play catch up. So while that's good, I do wanna make a couple of updates if this is okay. Now I'm probably not gonna push you into, like, a high risk or anything, but all I'm saying is that because you've got these eight options, you know, and one of them is in gold, one of them is in shares, one is in property, there's one here. It's called a bank hybrid term deposit. Basically, that type of term deposit is gonna be phased out by the government in a couple of years' time. So I just wanna kind of get ahead of it and switch it out for a different one. And there is one out of the eight that's been underperforming. Some Australian shares with Benelon. Normally, I would say, look, if one option goes down, it's not the end of the world. But this one fund seems to be kind of shooting down faster than everybody else and then not coming back up as fast when the market goes up. Yeah. So I'm gonna slot it out. And, basically, when you're in Hub twenty four like you are, it does have the most investment options in the industry. It's about 1,300. Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from. So, basically, you can go for low fees or pay higher fees for a higher return. One's passive, one's active. Which way does your gut feeling lean towards the call? Well, the good news in this particular case, we constantly research the options, and we've got good ones in either style. The option I wanna replace is around about a 1% fee, but there is another option out there that's, like, 0.9. It's about 10% cheaper, but it's been consistently performing well over one, three, five in ten years. I wanna consider putting that one in instead. So it actually drops the fees a little bit. So oh, so that one is the an active replacement. Think of it this way. If Venmo is charging you 1% but returning 4%, this other one's charging point nine, but returning 12. We can do a passive option that's charging point two, but it's also returning 11. So it's, like, kind of putting the difference and not too much different, though. So yep. So I'll do, like, an updated plan for you where we just do the comparison. This is what we wanna switch out. This is what it does, the fees and the performance in the projection. I will base it on the contributions that are going into the super. Are you looking to do any salary sacrifice at the moment? I know you said cash is a bit strapped at the moment. So it is based on what the employer is putting in. Okay. So I'm gonna do a bit of a research request for that one. Probably take me a couple of weeks just to update everything, and then we'll go through that with you. Any questions on that so far? No. When? Absolutely. My job basically is like sorry. Go for it, mate. Yeah. Can't control the weather, but we can pick the vehicle, I guess, what I usually say. And we won't go for a formula one racer for you because you probably don't wanna be slipping off the road with that little of risk, but we'll get you something that trucks along pretty steady. And with your your beneficiary nominations, just quickly checking estate plans, we have four beneficiaries listed. We've got Elizabeth, Elijah, Landon, and Aurora, all split four ways. Ways. So if you're comfortable with that nomination as is, the only one thing I would run by you is it seems to be like an online nomination. And when it's online, they set it as a non legally binding. And what it basically means is the super fund has discretion on where the super goes if someone, you know, calls up and can test it and things like that. Yeah. So we can send you out, like, a form that makes it legally binding, but it does have to be, like, signed and and witnessed by a couple of adults if you're comfortable to do that. Yep. No. So you have to be two adults that are not beneficiaries to witness your signature on the same day. Cool. Now two options there. Like, we can email them out, and you can sort of print it, sign it, scan it back. But if it's easier, we can always post them out with a return envelope as well if that makes it easier for you. Easy done. I will get Michelle to post it at you. That is no worries at all. Alrighty. So beneficiaries will just change the type, but keep the same people with the same percentages. Is that okay? Beautiful. Now the last thing I wanted to cover is just in terms of the insurances. Now we've got here so you've got a Zurich insurance policy, life and disability insurance. Just shy of 600,000 of life insurance and a little bit under that for TBD cover, which is your total disability. It's under $1,000 a year. Premium is pretty good, but there was a request that you said to to possibly try and top it up a little bit towards 750,000 or 1,000,000, something like that. I just wanted to get your current thoughts on the amount that you prefer. Okay. Yep. I'm still here. Can you hear me okay on your end? So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil, and you've previously requested topping up the insurance a little bit. Just thinking the amount that you might be looking for. Well, when the life insurance or TPD cover comes out in those life events, it'll essentially pay off the mortgage based on the current policy. Now from there, the super comes into play as well. So just today's balance is a $102,000. That'll come across with the Queen of Family Fort Worth. It it doesn't set them up in any other way to replace your income for five, ten, twenty years, but it does clear the mortgage and give them $25 each in those. Now the thing to think about is we can't just increase the cover through Zurich. Because what happens is they go through underwriting, and they go, okay. Check your health history, all that kind of thing. Now you did mention that your your brother had been diagnosed with Parkinson's when he was about 40, 41, I believe. So what that kind of led up to in terms of the market is you would get an exclusion on Parkinson's for any increased cover, which is, you know, not the worst thing in the world. The cover you've got, you could claim on anything, and the increased cover, you just couldn't claim on Parkinson's for the increased amount. We did find a provider that was offering income protection and the licensed CPD, which was pretty good for your occupation at the time. So what I would actually be looking at is either a little bit of life and disability insurance top up if you wanted, like, another 200,000 or something like that and possibly income protection if you were still wanting to look at that type of cover. In terms of, like, the claim or the the prices? Or yeah. So you've got kind of like an annual premium that comes out of the super. And if we added on that policy, there'd be another annual premium that comes out funded through the super there. I would obviously make sure that we didn't put anything that was too expensive in place to drag the super back as of course. What we've got to kind of pick between is there's a huge range in the prices based on your waiting period and your benefit period. Now what that kind of excuse me. Sorry. Paul said to clear my throat. When it comes to the waiting period and the benefit period, you've got, like, a standard waiting period of thirty days where you're out of work for a month, and here's the monthly income replacement. If you have a lot of leave and savings, you can kick that out sixty or ninety days, and that'll get the premiums down. But then you've got a last kind of three months on the run. Any thoughts there? Yep. Yep. And then that'll kick in after that. Perfect. Now the next thing in terms of the benefit period, so let's say I was going full comprehensive. You would get a policy that pays you all the way up to the age of 65. So thirty days and 65. Below that, you can drop down to five years or two years to get the premium lower, and it covers you more for short to medium term. Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards. So if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term. If something long term happens, there's your 700,000 of total disability pops out. How's that sound? Cool. Last thing I'll say on it is when you first got through a policy, you're under, like, a white collar occupation, and they've got you currently listed as a store man for the new cover. So that's why I have to kind of shop around with somebody else. Cool. So what I'll basically do is I'll put together some quotes. I'll tweak the investments inside the super, and then we'll get you back in with me to kind of run through the plan in writing if that's okay. Awesome, mate. Any questions on that so far? Fantastic. Alrighty. I've sent you off that annual review pack. It's got your performance, your certificate for the insurances, our service guides with our updated licensing details, and then just the hub twenty four consent form if you're still comfortable for us to remain advisers on your account. Just to let you know as well. Yeah. So what I'll do is I'll resend it through to you just so it's fresh. And if you're comfortable with that, that'll come back to us. We still do charge the the 1.65% through the super, though. There is discounts now when you get above 200,000, so we'll get you there as quick as we can. Awesome. Hopefully, we've hit twenty four minutes. I've tried to keep it under half an hour, but do you have any other questions for me before I let you go? Easy done, mate. You leave it with me. I'll put the new plan together, and I'll put you in a couple of weeks. Thanks, mate. See you later. 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afternoon, Paul. It's Tommy here from OQ Financial, mate, senior adviser. How are you doing? Thanks for living the dream. Been a beautiful day.\n\nHow about your end? Good stuff. Good stuff. Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for. How long have I got you for today?\n\nOh, I can be done much earlier than thirty minutes, my friend. Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email. I just need to confirm your date of birth and address that we would have on file. Yep. Yeah.\n\nThat's the one we've got all that updated. Thank you for that. And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Cool.\n\nPaul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight. Is that still correct? Beautiful. Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super and just sort of what's been going on in the market, a few ideas to run by you. Is there anything else in particular that you want me to focus on today?\n\nPerfect. Before I jump into those areas, are you okay for me to just update a few details that we have on file? No worries at all. So I'm just having a quick look because we've got a new system here kind of custom built for us. It's really good, but I just need to make sure all this is current.\n\nFor the address that you gave me before, we did have a PO box also listed. I'm just wondering if you're still using that for postage. Perfect. I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well. I'm just making sure that the PO box isn't on there anymore.\n\nPerfect. I believe my my admin, Michelle, I think she'd already updated it for you because that was quite an old PO box. Alrighty. Outside of that, we've got you just as far as relationship and family go, we've got your partner Elizabeth and three children. Is that correct?\n\nBeautiful. They're all still on the eighteenth at the moment, still counted as dependent. Yes, please. As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future. I do have a home and mortgage listed.\n\nJust wondering kind of where you're at with regards to the property goal. Perfect. And did you require any investment properties, or is it still just paying off this mortgage at the moment? Yep. No.\n\nThat's fair enough. I I hear the same sentiment echo pretty much everywhere these days. I'm gonna do a quick online evaluation update. Just wondering how the mortgage is sitting at the moment. We last had it at $5.28.\n\n$5.21.5. Beautiful. And how much do you reckon you would you have to balance for? Cool. I'll go to service with that one.\n\nI think they had $9.50. I'll just bump it up to $9.90. Is that okay? Perfect. Last couple of financial details.\n\nWe've got a car there, which I believe you had a a loan on at the time. Still only about 20,000 on the car. And 30,000. And is the resale value of the vehicle running about the same? Perfect.\n\nPerfect. That one's done. Any other loans or liabilities floating around? Credit card, personal loan? Dormant.\n\nBeautiful. I was having a look at the contributions through the super, and I can see you're still with North Coast Smallgoods. Correct? Yep. We had you there as a on based on the contributions, I'm guessing your income's a little over 60,000 at the moment.\n\nOver 60,000 is what I'm estimating for the income. Perfect. 1,300 a week. Thanks. Thank you.\n\nJust in terms of the cash flow there, based on I know the prices of petrol and everything going up and down and mortgage rates and everything. But are you managing to set aside a certain amount into savings each week, or how does the budgeting go? No. Not many people can. Probably out of every 20 people I talk to, maybe two people have a business that they have set aside at the moment.\n\nOutside of that, so what would be, like, the main focus for you guys at the moment? Obviously, just trying to handle the mortgage and and day to day expenses. You put a pause on the property ideas at the moment. Anything else that you're doing? Renovations or anything, Holiday?\n\nYes. Alright. Few things here and there. And a shirt. That sounds great.\n\nAnd alright. We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right? Okay. And I'm having a look at the the super at the moment.\n\nWe basically had you as, like, a a growth risk profile. So 80% in, like, shares, property, gold. You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%. Does that ring a bell? Gotcha.\n\nGotcha. So the way it would kind of work, I'll give you an example with your account. Because you're sitting in growth, it can be considered a bit above medium risk because it is primarily focused on, you know, capital growth long term. You obviously don't wanna be sitting in either a growth or high growth risk profile if you're, like, 65 years old. Because, you know, once you've built up a million dollars, probably don't wanna lose half of it a day before you retire, if that makes sense.\n\nNow in terms of volatility, I'll give you a bit of an idea in dollar terms. So when your account had a a market drop in March, it's actually dropped twice this year. Still in the positive for the year, but when the Iran war kicked off, it went from 97,000 down to 90, and now it's bounced back up to $10.02. So that's kind of how it goes in the growth is it can drop that, you know, five, 15%, but then it can grow 10, fifteen, twenty. What tends to happen is, like, if every seven years, the market tends to grow for, like, five or six, and then it crashes then it grows, then it crashes.\n\nThere's always a COVID or a GSE or something. Right? So what you're basically aiming for is, like, a nice, consistent average return of, say, above 9% would be ideal. Now just having a look at a full breakdown of yours, we've got you in growth portfolio. It's grown roundabout 42% over the last, give or take, four years.\n\nSo you've just cleared just under 11% per annum after fees. It's a little bit lower this year. It's only gone up about $6.5 from the growth and then contributions on top. Around the around the industry. People kind of lagging behind at 6%, and they just really need to play catch up.\n\nSo while that's good, I do wanna make a couple of updates if this is okay. Now I'm probably not gonna push you into, like, a high risk or anything, but all I'm saying is that because you've got these eight options, you know, and one of them is in gold, one of them is in shares, one is in property, there's one here. It's called a bank hybrid term deposit. Basically, that type of term deposit is gonna be phased out by the government in a couple of years' time. So I just wanna kind of get ahead of it and switch it out for a different one.\n\nAnd there is one out of the eight that's been underperforming. Some Australian shares with Benelon. Normally, I would say, look, if one option goes down, it's not the end of the world. But this one fund seems to be kind of shooting down faster than everybody else and then not coming back up as fast when the market goes up. Yeah.\n\nSo I'm gonna slot it out. And, basically, when you're in Hub twenty four like you are, it does have the most investment options in the industry. It's about 1,300. Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from. So, basically, you can go for low fees or pay higher fees for a higher return.\n\nOne's passive, one's active. Which way does your gut feeling lean towards the call? Well, the good news in this particular case, we constantly research the options, and we've got good ones in either style. The option I wanna replace is around about a 1% fee, but there is another option out there that's, like, 0.9. It's about 10% cheaper, but it's been consistently performing well over one, three, five in ten years.\n\nI wanna consider putting that one in instead. So it actually drops the fees a little bit. So oh, so that one is the an active replacement. Think of it this way. If Venmo is charging you 1% but returning 4%, this other one's charging point nine, but returning 12.\n\nWe can do a passive option that's charging point two, but it's also returning 11. So it's, like, kind of putting the difference and not too much different, though. So yep. So I'll do, like, an updated plan for you where we just do the comparison. This is what we wanna switch out.\n\nThis is what it does, the fees and the performance in the projection. I will base it on the contributions that are going into the super. Are you looking to do any salary sacrifice at the moment? I know you said cash is a bit strapped at the moment. So it is based on what the employer is putting in.\n\nOkay. So I'm gonna do a bit of a research request for that one. Probably take me a couple of weeks just to update everything, and then we'll go through that with you. Any questions on that so far? No.\n\nWhen? Absolutely. My job basically is like sorry. Go for it, mate. Yeah.\n\nCan't control the weather, but we can pick the vehicle, I guess, what I usually say. And we won't go for a formula one racer for you because you probably don't wanna be slipping off the road with that little of risk, but we'll get you something that trucks along pretty steady. And with your your beneficiary nominations, just quickly checking estate plans, we have four beneficiaries listed. We've got Elizabeth, Elijah, Landon, and Aurora, all split four ways. Ways.\n\nSo if you're comfortable with that nomination as is, the only one thing I would run by you is it seems to be like an online nomination. And when it's online, they set it as a non legally binding. And what it basically means is the super fund has discretion on where the super goes if someone, you know, calls up and can test it and things like that. Yeah. So we can send you out, like, a form that makes it legally binding, but it does have to be, like, signed and and witnessed by a couple of adults if you're comfortable to do that.\n\nYep. No. So you have to be two adults that are not beneficiaries to witness your signature on the same day. Cool. Now two options there.\n\nLike, we can email them out, and you can sort of print it, sign it, scan it back. But if it's easier, we can always post them out with a return envelope as well if that makes it easier for you. Easy done. I will get Michelle to post it at you. That is no worries at all.\n\nAlrighty. So beneficiaries will just change the type, but keep the same people with the same percentages. Is that okay? Beautiful. Now the last thing I wanted to cover is just in terms of the insurances.\n\nNow we've got here so you've got a Zurich insurance policy, life and disability insurance. Just shy of 600,000 of life insurance and a little bit under that for TBD cover, which is your total disability. It's under $1,000 a year. Premium is pretty good, but there was a request that you said to to possibly try and top it up a little bit towards 750,000 or 1,000,000, something like that. I just wanted to get your current thoughts on the amount that you prefer.\n\nOkay. Yep. I'm still here. Can you hear me okay on your end? So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil, and you've previously requested topping up the insurance a little bit.\n\nJust thinking the amount that you might be looking for. Well, when the life insurance or TPD cover comes out in those life events, it'll essentially pay off the mortgage based on the current policy. Now from there, the super comes into play as well. So just today's balance is a $102,000. That'll come across with the Queen of Family Fort Worth.\n\nIt it doesn't set them up in any other way to replace your income for five, ten, twenty years, but it does clear the mortgage and give them $25 each in those. Now the thing to think about is we can't just increase the cover through Zurich. Because what happens is they go through underwriting, and they go, okay. Check your health history, all that kind of thing. Now you did mention that your your brother had been diagnosed with Parkinson's when he was about 40, 41, I believe.\n\nSo what that kind of led up to in terms of the market is you would get an exclusion on Parkinson's for any increased cover, which is, you know, not the worst thing in the world. The cover you've got, you could claim on anything, and the increased cover, you just couldn't claim on Parkinson's for the increased amount. We did find a provider that was offering income protection and the licensed CPD, which was pretty good for your occupation at the time. So what I would actually be looking at is either a little bit of life and disability insurance top up if you wanted, like, another 200,000 or something like that and possibly income protection if you were still wanting to look at that type of cover. In terms of, like, the claim or the the prices?\n\nOr yeah. So you've got kind of like an annual premium that comes out of the super. And if we added on that policy, there'd be another annual premium that comes out funded through the super there. I would obviously make sure that we didn't put anything that was too expensive in place to drag the super back as of course. What we've got to kind of pick between is there's a huge range in the prices based on your waiting period and your benefit period.\n\nNow what that kind of excuse me. Sorry. Paul said to clear my throat. When it comes to the waiting period and the benefit period, you've got, like, a standard waiting period of thirty days where you're out of work for a month, and here's the monthly income replacement. If you have a lot of leave and savings, you can kick that out sixty or ninety days, and that'll get the premiums down.\n\nBut then you've got a last kind of three months on the run. Any thoughts there? Yep. Yep. And then that'll kick in after that.\n\nPerfect. Now the next thing in terms of the benefit period, so let's say I was going full comprehensive. You would get a policy that pays you all the way up to the age of 65. So thirty days and 65. Below that, you can drop down to five years or two years to get the premium lower, and it covers you more for short to medium term.\n\nNow one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards. So if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term. If something long term happens, there's your 700,000 of total disability pops out. How's that sound? Cool.\n\nLast thing I'll say on it is when you first got through a policy, you're under, like, a white collar occupation, and they've got you currently listed as a store man for the new cover. So that's why I have to kind of shop around with somebody else. Cool. So what I'll basically do is I'll put together some quotes. I'll tweak the investments inside the super, and then we'll get you back in with me to kind of run through the plan in writing if that's okay.\n\nAwesome, mate. Any questions on that so far? Fantastic. Alrighty. I've sent you off that annual review pack.\n\nIt's got your performance, your certificate for the insurances, our service guides with our updated licensing details, and then just the hub twenty four consent form if you're still comfortable for us to remain advisers on your account. Just to let you know as well. Yeah. So what I'll do is I'll resend it through to you just so it's fresh. And if you're comfortable with that, that'll come back to us.\n\nWe still do charge the the 1.65% through the super, though. There is discounts now when you get above 200,000, so we'll get you there as quick as we can. Awesome. Hopefully, we've hit twenty four minutes. I've tried to keep it under half an hour, but do you have any other questions for me before I let you go?\n\nEasy done, mate. You leave it with me. I'll put the new plan together, and I'll put you in a couple of weeks. Thanks, mate. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Paul.","start":7.44,"end":8.48,"sentiment":"neutral","sentiment_score":0.31960172454516095},{"text":"It's Tommy here from OQ Financial, mate, senior adviser.","start":8.48,"end":11.12,"sentiment":"neutral","sentiment_score":0.21165801584720612},{"text":"How are you doing?","start":11.12,"end":11.94,"sentiment":"neutral","sentiment_score":0.18557491526007652},{"text":"Thanks for living the dream.","start":13.5199995,"end":14.715,"sentiment":"positive","sentiment_score":0.7303589582443237},{"text":"Been a beautiful day.","start":14.715,"end":15.434999,"sentiment":"positive","sentiment_score":0.6949865370988846}],"sentiment":"positive","sentiment_score":0.401510716676712,"num_words":25,"start":7.44,"end":15.434999},{"sentences":[{"text":"How about your end?","start":15.434999,"end":16.655,"sentiment":"neutral","sentiment_score":0.26999349147081375},{"text":"Good stuff.","start":19.755001,"end":20.235,"sentiment":"neutral","sentiment_score":0.11844632029533386},{"text":"Good stuff.","start":20.235,"end":21.055,"sentiment":"neutral","sentiment_score":0.29336459934711456},{"text":"Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for.","start":21.115,"end":29.310001,"sentiment":"neutral","sentiment_score":0.08917317527811974},{"text":"How long have I got you for today?","start":29.61,"end":31.39,"sentiment":"neutral","sentiment_score":0.026875872281379998}],"sentiment":"neutral","sentiment_score":0.10358634150664632,"num_words":48,"start":15.434999,"end":31.39},{"sentences":[{"text":"Oh, I can be done much earlier than thirty minutes, my friend.","start":36.09,"end":38.91,"sentiment":"neutral","sentiment_score":0.11556919602056344},{"text":"Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email.","start":40.65,"end":48.165,"sentiment":"neutral","sentiment_score":0.11925825715065003},{"text":"I just need to confirm your date of birth and address that we would have on file.","start":49.185,"end":53.445,"sentiment":"neutral","sentiment_score":0.05513679017038906},{"text":"Yep.","start":60.3,"end":60.8,"sentiment":"neutral","sentiment_score":0.03571750596165657},{"text":"Yeah.","start":66.86,"end":67.18,"sentiment":"neutral","sentiment_score":0.07815618813037872}],"sentiment":"neutral","sentiment_score":0.09677653407145824,"num_words":56,"start":36.09,"end":67.18},{"sentences":[{"text":"That's the one we've got all that updated.","start":67.18,"end":68.86,"sentiment":"neutral","sentiment_score":0.1610668208450079},{"text":"Thank you for that.","start":68.86,"end":69.92,"sentiment":"positive","sentiment_score":0.4361709654331207},{"text":"And I'm registered with adviser 1273105.","start":70.22,"end":74.755,"sentiment":"neutral","sentiment_score":0.10175584256649017},{"text":"Are you okay for the call to be recorded?","start":74.755,"end":76.535,"sentiment":"neutral","sentiment_score":0.07008177248968019},{"text":"Cool.","start":78.435,"end":78.935,"sentiment":"neutral","sentiment_score":0.15898796916007996}],"sentiment":"neutral","sentiment_score":0.15833847876638174,"num_words":28,"start":67.18,"end":78.935},{"sentences":[{"text":"Paul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight.","start":79.715,"end":84.995,"sentiment":"neutral","sentiment_score":0.13960465575967515},{"text":"Is that still correct?","start":84.995,"end":86.055,"sentiment":"neutral","sentiment_score":0.09246486239135265},{"text":"Beautiful.","start":87.555,"end":88.055,"sentiment":"positive","sentiment_score":0.389579713344574},{"text":"Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super and just sort of what's been going on in the market, a few ideas to run by you.","start":88.46,"end":106.345,"sentiment":"neutral","sentiment_score":0.04167382398789579},{"text":"Is there anything else in particular that you want me to focus on today?","start":106.485,"end":110.505005,"sentiment":"neutral","sentiment_score":0.021246152663869516}],"sentiment":"neutral","sentiment_score":0.06026603182015771,"num_words":88,"start":79.715,"end":110.505005},{"sentences":[{"text":"Perfect.","start":114.965004,"end":115.465004,"sentiment":"neutral","sentiment_score":0.030749939382076263},{"text":"Before I jump into those areas, are you okay for me to just update a few details that we have on file?","start":116.805,"end":121.99,"sentiment":"neutral","sentiment_score":0.003294369967823679},{"text":"No worries at all.","start":126.85,"end":128.12999,"sentiment":"neutral","sentiment_score":0.03687063045799732},{"text":"So I'm just having a quick look because we've got a new system here kind of custom built for us.","start":128.12999,"end":133.16501,"sentiment":"neutral","sentiment_score":0.14344485104084015},{"text":"It's really good, but I just need to make sure all this is current.","start":133.16501,"end":136.30501,"sentiment":"neutral","sentiment_score":0.01797182352415153}],"sentiment":"neutral","sentiment_score":0.05526575656821493,"num_words":61,"start":114.965004,"end":136.30501},{"sentences":[{"text":"For the address that you gave me before, we did have a PO box also listed.","start":137.325,"end":143.04,"sentiment":"neutral","sentiment_score":-0.014152656774967909},{"text":"I'm just wondering if you're still using that for postage.","start":143.36,"end":146.01999,"sentiment":"neutral","sentiment_score":-0.04678031112998724},{"text":"Perfect.","start":149.92,"end":150.42,"sentiment":"positive","sentiment_score":0.3569364547729492},{"text":"I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well.","start":150.56,"end":160.115,"sentiment":"neutral","sentiment_score":0.15595831498503684},{"text":"I'm just making sure that the PO box isn't on there anymore.","start":160.735,"end":163.635,"sentiment":"neutral","sentiment_score":0.0031526183399061356}],"sentiment":"neutral","sentiment_score":0.06346770586526912,"num_words":69,"start":137.325,"end":163.635},{"sentences":[{"text":"Perfect.","start":166.015,"end":166.515,"sentiment":"neutral","sentiment_score":0.2054120898246765},{"text":"I believe my my admin, Michelle, I think she'd already updated it for you because that was quite an old PO box.","start":170.415,"end":179.02,"sentiment":"neutral","sentiment_score":-0.10415972286665981},{"text":"Alrighty.","start":182.20001,"end":182.70001,"sentiment":"neutral","sentiment_score":0.09252390265464784},{"text":"Outside of that, we've got you just as far as relationship and family go, we've got your partner Elizabeth and three children.","start":183.32,"end":191.99501,"sentiment":"neutral","sentiment_score":0.04833722825754772},{"text":"Is that correct?","start":191.99501,"end":192.735,"sentiment":"neutral","sentiment_score":0.05582224577665329}],"sentiment":"neutral","sentiment_score":-0.015565145950840444,"num_words":49,"start":166.015,"end":192.735},{"sentences":[{"text":"Beautiful.","start":194.71501,"end":195.21501,"sentiment":"neutral","sentiment_score":0.22353826463222504},{"text":"They're all still on the eighteenth at the moment, still counted as dependent.","start":195.91501,"end":201.34001,"sentiment":"neutral","sentiment_score":0.06335463339033034},{"text":"Yes, please.","start":201.48001,"end":202.46,"sentiment":"neutral","sentiment_score":0.0288959089666605},{"text":"As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future.","start":202.84001,"end":212.3,"sentiment":"neutral","sentiment_score":0.0002724974251845304},{"text":"I do have a home and mortgage listed.","start":212.44,"end":214.705,"sentiment":"neutral","sentiment_score":0.03371667885221541}],"sentiment":"neutral","sentiment_score":0.02386101137782479,"num_words":58,"start":194.71501,"end":214.705},{"sentences":[{"text":"Just wondering kind of where you're at with regards to the property goal.","start":215.00499,"end":218.625,"sentiment":"neutral","sentiment_score":0.02571642814347377},{"text":"Perfect.","start":230.87999,"end":231.37999,"sentiment":"neutral","sentiment_score":0.11411415040493011},{"text":"And did you require any investment properties, or is it still just paying off this mortgage at the moment?","start":231.59999,"end":236.18,"sentiment":"neutral","sentiment_score":-0.031386640118925196},{"text":"Yep.","start":246.415,"end":246.575,"sentiment":"neutral","sentiment_score":-0.051780276000499725},{"text":"No.","start":246.575,"end":246.815,"sentiment":"neutral","sentiment_score":-0.16149064898490906}],"sentiment":"neutral","sentiment_score":-0.010319696313568523,"num_words":35,"start":215.00499,"end":246.815},{"sentences":[{"text":"That's fair enough.","start":246.815,"end":247.53499,"sentiment":"neutral","sentiment_score":-0.13089958081642786},{"text":"I I hear the same sentiment echo pretty much everywhere these days.","start":247.53499,"end":251.555,"sentiment":"neutral","sentiment_score":-0.11055298025409381},{"text":"I'm gonna do a quick online evaluation update.","start":253.055,"end":256.73,"sentiment":"neutral","sentiment_score":0.02680805348791182},{"text":"Just wondering how the mortgage is sitting at the moment.","start":257.11002,"end":259.67,"sentiment":"neutral","sentiment_score":-0.01550675705075264},{"text":"We last had it at $5.28.","start":259.67,"end":262.25,"sentiment":"neutral","sentiment_score":-0.009791117006291946}],"sentiment":"neutral","sentiment_score":-0.0440688294907793,"num_words":39,"start":246.815,"end":262.25},{"sentences":[{"text":"$5.21.5.","start":271.69498,"end":273.13498,"sentiment":"neutral","sentiment_score":0.02482784539461136},{"text":"Beautiful.","start":273.13498,"end":273.63498,"sentiment":"neutral","sentiment_score":0.2641056776046753},{"text":"And how much do you reckon you would you have to balance for?","start":274.335,"end":277.315,"sentiment":"neutral","sentiment_score":0.006822744079937155},{"text":"Cool.","start":284.49,"end":284.73,"sentiment":"positive","sentiment_score":0.35119035840034485},{"text":"I'll go to service with that one.","start":284.73,"end":285.89,"sentiment":"neutral","sentiment_score":0.2749228434903281}],"sentiment":"neutral","sentiment_score":0.11535997647265701,"num_words":23,"start":271.69498,"end":285.89},{"sentences":[{"text":"I think they had $9.50.","start":285.89,"end":287.05,"sentiment":"neutral","sentiment_score":0.08974785655736923},{"text":"I'll just bump it up to $9.90.","start":287.05,"end":288.65,"sentiment":"neutral","sentiment_score":0.15777468574898584},{"text":"Is that okay?","start":288.65,"end":289.47,"sentiment":"neutral","sentiment_score":0.13723478217919668},{"text":"Perfect.","start":292.01,"end":292.51,"sentiment":"positive","sentiment_score":0.5349735021591187},{"text":"Last couple of financial details.","start":292.89,"end":294.605,"sentiment":"neutral","sentiment_score":0.17564667165279388}],"sentiment":"neutral","sentiment_score":0.16086063285668692,"num_words":21,"start":285.89,"end":294.605},{"sentences":[{"text":"We've got a car there, which I believe you had a a loan on at the time.","start":294.745,"end":299.405,"sentiment":"neutral","sentiment_score":0.05216488877640051},{"text":"Still only about 20,000 on the car.","start":302.425,"end":304.525,"sentiment":"neutral","sentiment_score":-0.028245302981563976},{"text":"And 30,000.","start":314.68,"end":315.74,"sentiment":"neutral","sentiment_score":-0.0031984802335500717},{"text":"And is the resale value of the vehicle running about the same?","start":315.96,"end":318.86,"sentiment":"neutral","sentiment_score":0.009639552561566234},{"text":"Perfect.","start":323.31998,"end":323.745,"sentiment":"neutral","sentiment_score":0.2851558029651642}],"sentiment":"neutral","sentiment_score":0.027782550296531275,"num_words":39,"start":294.745,"end":323.745},{"sentences":[{"text":"Perfect.","start":324.225,"end":324.725,"sentiment":"neutral","sentiment_score":0.31328076124191284},{"text":"That one's done.","start":325.185,"end":326.165,"sentiment":"neutral","sentiment_score":0.17875600854555765},{"text":"Any other loans or liabilities floating around?","start":326.385,"end":329.585,"sentiment":"neutral","sentiment_score":0.013638289512268134},{"text":"Credit card, personal loan?","start":329.585,"end":331.04498,"sentiment":"neutral","sentiment_score":0.003091318067163229},{"text":"Dormant.","start":339.8,"end":340.3,"sentiment":"neutral","sentiment_score":0.003982714377343655}],"sentiment":"neutral","sentiment_score":0.06008530000690371,"num_words":16,"start":324.225,"end":340.3},{"sentences":[{"text":"Beautiful.","start":343.72,"end":344.22,"sentiment":"positive","sentiment_score":0.44288814067840576},{"text":"I was having a look at the contributions through the super, and I can see you're still with North Coast Smallgoods.","start":344.92,"end":351.975,"sentiment":"neutral","sentiment_score":0.11349705464783169},{"text":"Correct?","start":352.215,"end":352.715,"sentiment":"neutral","sentiment_score":0.06828971207141876},{"text":"Yep.","start":353.335,"end":353.835,"sentiment":"neutral","sentiment_score":0.0137814087793231},{"text":"We had you there as a on based on the contributions, I'm guessing your income's a little over 60,000 at the moment.","start":355.255,"end":363.035,"sentiment":"neutral","sentiment_score":0.0021393264072354545}],"sentiment":"neutral","sentiment_score":0.06424918674114767,"num_words":46,"start":343.72,"end":363.035},{"sentences":[{"text":"Over 60,000 is what I'm estimating for the income.","start":367.96,"end":370.86,"sentiment":"neutral","sentiment_score":-0.0699923655225171},{"text":"Perfect.","start":384.545,"end":385.045,"sentiment":"neutral","sentiment_score":0.23398777842521667},{"text":"1,300 a week.","start":385.345,"end":386.805,"sentiment":"neutral","sentiment_score":0.15695778032143912},{"text":"Thanks.","start":387.425,"end":387.905,"sentiment":"positive","sentiment_score":0.4142350554466248},{"text":"Thank you.","start":387.905,"end":388.565,"sentiment":"positive","sentiment_score":0.4217991232872009}],"sentiment":"neutral","sentiment_score":0.08329769573174417,"num_words":16,"start":367.96,"end":388.565},{"sentences":[{"text":"Just in terms of the cash flow there, based on I know the prices of petrol and everything going up and down and mortgage rates and everything.","start":390.065,"end":397.72,"sentiment":"neutral","sentiment_score":0.07033881131145689},{"text":"But are you managing to set aside a certain amount into savings each week, or how does the budgeting go?","start":397.72,"end":403.1,"sentiment":"neutral","sentiment_score":-0.01994724674150348},{"text":"No.","start":408.75998,"end":409.08,"sentiment":"neutral","sentiment_score":-0.2378692328929901},{"text":"Not many people can.","start":409.08,"end":410.38,"sentiment":"neutral","sentiment_score":-0.2550131566822529},{"text":"Probably out of every 20 people I talk to, maybe two people have a business that they have set aside at the moment.","start":410.975,"end":416.195,"sentiment":"neutral","sentiment_score":-0.12898209755835327}],"sentiment":"neutral","sentiment_score":-0.03632409510513147,"num_words":75,"start":390.065,"end":416.195},{"sentences":[{"text":"Outside of that, so what would be, like, the main focus for you guys at the moment?","start":420.895,"end":425.52,"sentiment":"neutral","sentiment_score":-0.03595971852979239},{"text":"Obviously, just trying to handle the mortgage and and day to day expenses.","start":425.59998,"end":428.72,"sentiment":"neutral","sentiment_score":-0.027500706939743116},{"text":"You put a pause on the property ideas at the moment.","start":428.72,"end":431.53998,"sentiment":"neutral","sentiment_score":-0.15225734223018994},{"text":"Anything else that you're doing?","start":431.75998,"end":432.96,"sentiment":"neutral","sentiment_score":-0.038691486790776254},{"text":"Renovations or anything, Holiday?","start":432.96,"end":434.65997,"sentiment":"neutral","sentiment_score":-0.03108029067516327}],"sentiment":"neutral","sentiment_score":-0.0592286753281951,"num_words":50,"start":420.895,"end":434.65997},{"sentences":[{"text":"Yes.","start":448.54498,"end":449.04498,"sentiment":"neutral","sentiment_score":0.11462491750717164},{"text":"Alright.","start":449.985,"end":450.485,"sentiment":"neutral","sentiment_score":0.15103654563426971},{"text":"Few things here and there.","start":450.54498,"end":451.985,"sentiment":"neutral","sentiment_score":0.14062802493572235},{"text":"And a shirt.","start":451.985,"end":452.83,"sentiment":"neutral","sentiment_score":0.22679324944814047},{"text":"That sounds great.","start":452.83,"end":453.88998,"sentiment":"positive","sentiment_score":0.7241198420524597}],"sentiment":"neutral","sentiment_score":0.2939646817170657,"num_words":13,"start":448.54498,"end":453.88998},{"sentences":[{"text":"And alright.","start":454.35,"end":456.69,"sentiment":"neutral","sentiment_score":0.2786879539489746},{"text":"We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars.","start":456.83,"end":475.17502,"sentiment":"neutral","sentiment_score":0.1468157500290034},{"text":"Does that sound about right?","start":475.17502,"end":476.39502,"sentiment":"neutral","sentiment_score":0.09060652479529381},{"text":"Okay.","start":481.84,"end":482.34,"sentiment":"neutral","sentiment_score":0.09482988715171814},{"text":"And I'm having a look at the the super at the moment.","start":484.4,"end":488.58,"sentiment":"neutral","sentiment_score":0.07107806578278542}],"sentiment":"neutral","sentiment_score":0.13411263584510072,"num_words":77,"start":454.35,"end":488.58},{"sentences":[{"text":"We basically had you as, like, a a growth risk profile.","start":489.04,"end":492.02,"sentiment":"neutral","sentiment_score":0.02862656641412865},{"text":"So 80% in, like, shares, property, gold.","start":492.56,"end":496.565,"sentiment":"neutral","sentiment_score":0.032531892348613055},{"text":"You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%.","start":496.565,"end":501.445,"sentiment":"neutral","sentiment_score":-0.03152357931766245},{"text":"Does that ring a bell?","start":501.445,"end":502.665,"sentiment":"neutral","sentiment_score":0.04110004976391792},{"text":"Gotcha.","start":512.75,"end":513.23,"sentiment":"neutral","sentiment_score":-0.03665526211261749}],"sentiment":"neutral","sentiment_score":0.003429429428208442,"num_words":42,"start":489.04,"end":513.23},{"sentences":[{"text":"Gotcha.","start":513.23,"end":513.70996,"sentiment":"neutral","sentiment_score":-0.0033115013502538204},{"text":"So the way it would kind of work, I'll give you an example with your account.","start":513.70996,"end":518.20996,"sentiment":"neutral","sentiment_score":0.057448128471150994},{"text":"Because you're sitting in growth, it can be considered a bit above medium risk because it is primarily focused on, you know, capital growth long term.","start":519.95,"end":528.685,"sentiment":"neutral","sentiment_score":-0.010277529605306111},{"text":"You obviously don't wanna be sitting in either a growth or high growth risk profile if you're, like, 65 years old.","start":529.305,"end":536.185,"sentiment":"neutral","sentiment_score":-0.14394624460311162},{"text":"Because, you know, once you've built up a million dollars, probably don't wanna lose half of it a day before you retire, if that makes sense.","start":536.185,"end":542.22003,"sentiment":"neutral","sentiment_score":-0.057654180886367194}],"sentiment":"neutral","sentiment_score":-0.04303596728067431,"num_words":90,"start":513.23,"end":542.22003},{"sentences":[{"text":"Now in terms of volatility, I'll give you a bit of an idea in dollar terms.","start":544.68,"end":549.26,"sentiment":"neutral","sentiment_score":-0.013668115774635226},{"text":"So when your account had a a market drop in March, it's actually dropped twice this year.","start":549.48,"end":554.855,"sentiment":"neutral","sentiment_score":-0.16492926986778483},{"text":"Still in the positive for the year, but when the Iran war kicked off, it went from 97,000 down to 90, and now it's bounced back up to $10.02.","start":554.995,"end":563.975,"sentiment":"neutral","sentiment_score":0.06755090993026207},{"text":"So that's kind of how it goes in the growth is it can drop that, you know, five, 15%, but then it can grow 10, fifteen, twenty.","start":566.995,"end":575.16003,"sentiment":"neutral","sentiment_score":-0.045058438554406166},{"text":"What tends to happen is, like, if every seven years, the market tends to grow for, like, five or six, and then it crashes then it grows, then it crashes.","start":576.74005,"end":584.51495,"sentiment":"neutral","sentiment_score":-0.09592680484056473}],"sentiment":"neutral","sentiment_score":-0.04334363897777155,"num_words":119,"start":544.68,"end":584.51495},{"sentences":[{"text":"There's always a COVID or a GSE or something.","start":585.055,"end":587.45496,"sentiment":"neutral","sentiment_score":-0.11190644734435612},{"text":"Right?","start":587.45496,"end":587.95496,"sentiment":"neutral","sentiment_score":0.04270860180258751},{"text":"So what you're basically aiming for is, like, a nice, consistent average return of, say, above 9% would be ideal.","start":590.175,"end":600.69,"sentiment":"neutral","sentiment_score":0.25867503955960275},{"text":"Now just having a look at a full breakdown of yours, we've got you in growth portfolio.","start":600.83,"end":606.13,"sentiment":"neutral","sentiment_score":0.22068237907746258},{"text":"It's grown roundabout 42% over the last, give or take, four years.","start":606.67,"end":611.645,"sentiment":"neutral","sentiment_score":0.28430552159746486}],"sentiment":"neutral","sentiment_score":0.1927511537352861,"num_words":59,"start":585.055,"end":611.645},{"sentences":[{"text":"So you've just cleared just under 11% per annum after fees.","start":611.945,"end":616.68506,"sentiment":"neutral","sentiment_score":0.2833287851376967},{"text":"It's a little bit lower this year.","start":616.98505,"end":618.74506,"sentiment":"neutral","sentiment_score":0.1962898150086403},{"text":"It's only gone up about $6.5 from the growth and then contributions on top.","start":618.74506,"end":622.455,"sentiment":"neutral","sentiment_score":0.2276510319539479},{"text":"Around the around the industry.","start":622.92,"end":637.985,"sentiment":"neutral","sentiment_score":0.007908739894628525},{"text":"People kind of lagging behind at 6%, and they just really need to play catch up.","start":637.985,"end":642.645,"sentiment":"neutral","sentiment_score":-0.201911183539778}],"sentiment":"neutral","sentiment_score":0.08465518022202095,"num_words":53,"start":611.945,"end":642.645},{"sentences":[{"text":"So while that's good, I do wanna make a couple of updates if this is okay.","start":642.78503,"end":647.365,"sentiment":"neutral","sentiment_score":0.09098096541129053},{"text":"Now I'm probably not gonna push you into, like, a high risk or anything, but all I'm saying is that because you've got these eight options, you know, and one of them is in gold, one of them is in shares, one is in property, there's one here.","start":649.105,"end":663.51996,"sentiment":"neutral","sentiment_score":-0.03168159490451217},{"text":"It's called a bank hybrid term deposit.","start":663.66,"end":666.215,"sentiment":"neutral","sentiment_score":0.01855075385953699},{"text":"Basically, that type of term deposit is gonna be phased out by the government in a couple of years' time.","start":667.235,"end":672.295,"sentiment":"neutral","sentiment_score":-0.032341962400823834},{"text":"So I just wanna kind of get ahead of it and switch it out for a different one.","start":672.355,"end":675.975,"sentiment":"neutral","sentiment_score":-0.004646399161881871}],"sentiment":"neutral","sentiment_score":-0.006106791419720431,"num_words":109,"start":642.78503,"end":675.975},{"sentences":[{"text":"And there is one out of the eight that's been underperforming.","start":679.74,"end":682.16003,"sentiment":"neutral","sentiment_score":-0.31971419670365075},{"text":"Some Australian shares with Benelon.","start":682.78,"end":685.04004,"sentiment":"neutral","sentiment_score":-0.1760703854262829},{"text":"Normally, I would say, look, if one option goes down, it's not the end of the world.","start":685.66003,"end":690.24,"sentiment":"neutral","sentiment_score":-0.24047531450496},{"text":"But this one fund seems to be kind of shooting down faster than everybody else and then not coming back up as fast when the market goes up.","start":691.10004,"end":699.905,"sentiment":"negative","sentiment_score":-0.45273886408124653},{"text":"Yeah.","start":705.965,"end":706.445,"sentiment":"neutral","sentiment_score":-0.1620398610830307}],"sentiment":"negative","sentiment_score":-0.343935749884094,"num_words":62,"start":679.74,"end":706.445},{"sentences":[{"text":"So I'm gonna slot it out.","start":706.445,"end":708.305,"sentiment":"neutral","sentiment_score":-0.10062952153384686},{"text":"And, basically, when you're in Hub twenty four like you are, it does have the most investment options in the industry.","start":708.365,"end":715.01,"sentiment":"neutral","sentiment_score":0.06649274920069036},{"text":"It's about 1,300.","start":715.01,"end":716.63,"sentiment":"neutral","sentiment_score":0.05469439054528872},{"text":"Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from.","start":718.61,"end":731.11505,"sentiment":"neutral","sentiment_score":0.1234170125797391},{"text":"So, basically, you can go for low fees or pay higher fees for a higher return.","start":731.335,"end":736.66003,"sentiment":"neutral","sentiment_score":0.112153185531497}],"sentiment":"neutral","sentiment_score":0.0893928517132651,"num_words":86,"start":706.445,"end":736.66003},{"sentences":[{"text":"One's passive, one's active.","start":736.96,"end":738.74005,"sentiment":"neutral","sentiment_score":0.0924609862267971},{"text":"Which way does your gut feeling lean towards the call?","start":739.2,"end":748.26,"sentiment":"neutral","sentiment_score":0.05674599912017584},{"text":"Well, the good news in this particular case, we constantly research the options, and we've got good ones in either style.","start":750.16003,"end":757.675,"sentiment":"positive","sentiment_score":0.4399872883444741},{"text":"The option I wanna replace is around about a 1% fee, but there is another option out there that's, like, 0.9.","start":758.855,"end":767.175,"sentiment":"neutral","sentiment_score":0.12142868836720784},{"text":"It's about 10% cheaper, but it's been consistently performing well over one, three, five in ten years.","start":767.175,"end":773.73,"sentiment":"positive","sentiment_score":0.3886626240085153}],"sentiment":"neutral","sentiment_score":0.26485348020820587,"num_words":73,"start":736.96,"end":773.73},{"sentences":[{"text":"I wanna consider putting that one in instead.","start":773.79,"end":775.87,"sentiment":"neutral","sentiment_score":0.21500910259783268},{"text":"So it actually drops the fees a little bit.","start":775.87,"end":777.88995,"sentiment":"neutral","sentiment_score":0.21070098876953125},{"text":"So oh, so that one is the an active replacement.","start":781.23,"end":786.32495,"sentiment":"neutral","sentiment_score":0.10610627457499504},{"text":"Think of it this way.","start":787.665,"end":788.96497,"sentiment":"neutral","sentiment_score":0.11488701105117798},{"text":"If Venmo is charging you 1% but returning 4%, this other one's charging point nine, but returning 12.","start":789.02496,"end":796.5,"sentiment":"neutral","sentiment_score":0.048563175524274506}],"sentiment":"neutral","sentiment_score":0.12252033360302449,"num_words":50,"start":773.79,"end":796.5},{"sentences":[{"text":"We can do a passive option that's charging point two, but it's also returning 11.","start":799.60004,"end":805.12,"sentiment":"neutral","sentiment_score":0.11169363707304},{"text":"So it's, like, kind of putting the difference and not too much different, though.","start":805.12,"end":808.925,"sentiment":"neutral","sentiment_score":0.06490301580301353},{"text":"So yep.","start":812.105,"end":815.965,"sentiment":"neutral","sentiment_score":0.09466943517327309},{"text":"So I'll do, like, an updated plan for you where we just do the comparison.","start":816.025,"end":820.125,"sentiment":"neutral","sentiment_score":0.206120698650678},{"text":"This is what we wanna switch out.","start":820.185,"end":821.465,"sentiment":"neutral","sentiment_score":0.18023950925895146}],"sentiment":"neutral","sentiment_score":0.13446929608032387,"num_words":53,"start":799.60004,"end":821.465},{"sentences":[{"text":"This is what it does, the fees and the performance in the projection.","start":821.465,"end":826.39,"sentiment":"neutral","sentiment_score":0.2212802916765213},{"text":"I will base it on the contributions that are going into the super.","start":826.45,"end":830.79004,"sentiment":"neutral","sentiment_score":0.12077900079580453},{"text":"Are you looking to do any salary sacrifice at the moment?","start":831.01,"end":833.73004,"sentiment":"neutral","sentiment_score":-0.016647526655684818},{"text":"I know you said cash is a bit strapped at the moment.","start":833.73004,"end":836.15,"sentiment":"neutral","sentiment_score":-0.27184060340126354},{"text":"So it is based on what the employer is putting in.","start":839.25,"end":841.95496,"sentiment":"neutral","sentiment_score":-0.06151802736249837}],"sentiment":"neutral","sentiment_score":0.005414374452084303,"num_words":60,"start":821.465,"end":841.95496},{"sentences":[{"text":"Okay.","start":844.25494,"end":844.75494,"sentiment":"neutral","sentiment_score":0.06259394437074661},{"text":"So I'm gonna do a bit of a research request for that one.","start":849.21497,"end":853.13495,"sentiment":"neutral","sentiment_score":0.15674887196375772},{"text":"Probably take me a couple of weeks just to update everything, and then we'll go through that with you.","start":853.13495,"end":858.15,"sentiment":"neutral","sentiment_score":0.1643528075594651},{"text":"Any questions on that so far?","start":859.41003,"end":861.11005,"sentiment":"neutral","sentiment_score":0.07519851500789325},{"text":"No.","start":864.21,"end":864.71,"sentiment":"neutral","sentiment_score":0.16358011960983276}],"sentiment":"neutral","sentiment_score":0.14594509582966567,"num_words":40,"start":844.25494,"end":864.71},{"sentences":[{"text":"When?","start":864.77,"end":865.27,"sentiment":"neutral","sentiment_score":0.08852873742580414},{"text":"Absolutely.","start":873.045,"end":873.545,"sentiment":"neutral","sentiment_score":0.29546821117401123},{"text":"My job basically is like sorry.","start":874.805,"end":878.165,"sentiment":"neutral","sentiment_score":0.053517101953426995},{"text":"Go for it, mate.","start":878.165,"end":879.145,"sentiment":"neutral","sentiment_score":0.20321495085954666},{"text":"Yeah.","start":886.85004,"end":887.17,"sentiment":"neutral","sentiment_score":0.014137428253889084}],"sentiment":"neutral","sentiment_score":0.11785359938557331,"num_words":13,"start":864.77,"end":887.17},{"sentences":[{"text":"Can't control the weather, but we can pick the vehicle, I guess, what I usually say.","start":887.17,"end":891.19,"sentiment":"neutral","sentiment_score":0.0281582900788635},{"text":"And we won't go for a formula one racer for you because you probably don't wanna be slipping off the road with that little of risk, but we'll get you something that trucks along pretty steady.","start":894.985,"end":903.645,"sentiment":"neutral","sentiment_score":-0.01916517534603675},{"text":"And with your your beneficiary nominations, just quickly checking estate plans, we have four beneficiaries listed.","start":907.78503,"end":916.96,"sentiment":"neutral","sentiment_score":0.16834605624899268},{"text":"We've got Elizabeth, Elijah, Landon, and Aurora, all split four ways.","start":917.10004,"end":921.795,"sentiment":"neutral","sentiment_score":0.13907782191579993},{"text":"Ways.","start":924.355,"end":924.855,"sentiment":"neutral","sentiment_score":0.00926766823977232}],"sentiment":"neutral","sentiment_score":0.049915586726274344,"num_words":80,"start":887.17,"end":924.855},{"sentences":[{"text":"So if you're comfortable with that nomination as is, the only one thing I would run by you is it seems to be like an online nomination.","start":926.27496,"end":935.175,"sentiment":"neutral","sentiment_score":0.10593406980236371},{"text":"And when it's online, they set it as a non legally binding.","start":935.84,"end":941.38,"sentiment":"neutral","sentiment_score":0.01339633964623014},{"text":"And what it basically means is the super fund has discretion on where the super goes if someone, you know, calls up and can test it and things like that.","start":941.68,"end":951.615,"sentiment":"neutral","sentiment_score":0.02691991236060858},{"text":"Yeah.","start":953.675,"end":953.915,"sentiment":"neutral","sentiment_score":0.09388045966625214},{"text":"So we can send you out, like, a form that makes it legally binding, but it does have to be, like, signed and and witnessed by a couple of adults if you're comfortable to do that.","start":953.915,"end":963.88,"sentiment":"neutral","sentiment_score":0.07980565737105078}],"sentiment":"neutral","sentiment_score":0.06410808921000867,"num_words":106,"start":926.27496,"end":963.88},{"sentences":[{"text":"Yep.","start":966.9,"end":967.4,"sentiment":"neutral","sentiment_score":0.07006160914897919},{"text":"No.","start":972.18,"end":972.34,"sentiment":"neutral","sentiment_score":-0.019896918907761577},{"text":"So you have to be two adults that are not beneficiaries to witness your signature on the same day.","start":972.34,"end":977.135,"sentiment":"neutral","sentiment_score":0.009459827095270157},{"text":"Cool.","start":977.675,"end":978.175,"sentiment":"positive","sentiment_score":0.5532253980636597},{"text":"Now two options there.","start":981.435,"end":983.115,"sentiment":"neutral","sentiment_score":0.2799030840396881}],"sentiment":"neutral","sentiment_score":0.07318227458745241,"num_words":26,"start":966.9,"end":983.115},{"sentences":[{"text":"Like, we can email them out, and you can sort of print it, sign it, scan it back.","start":983.115,"end":986.795,"sentiment":"neutral","sentiment_score":0.22791432589292526},{"text":"But if it's easier, we can always post them out with a return envelope as well if that makes it easier for you.","start":986.795,"end":996.7937,"sentiment":"neutral","sentiment_score":0.17361174928753273},{"text":"Easy done.","start":997.0729,"end":998.3521,"sentiment":"neutral","sentiment_score":0.18419593572616577},{"text":"I will get Michelle to post it at you.","start":998.6313,"end":1005.105,"sentiment":"neutral","sentiment_score":0.20292497674624124},{"text":"That is no worries at all.","start":1005.105,"end":1006.565,"sentiment":"neutral","sentiment_score":0.3006935666004817}],"sentiment":"neutral","sentiment_score":0.2085242441630569,"num_words":58,"start":983.115,"end":1006.565},{"sentences":[{"text":"Alrighty.","start":1009.185,"end":1009.685,"sentiment":"neutral","sentiment_score":0.2505010962486267},{"text":"So beneficiaries will just change the type, but keep the same people with the same percentages.","start":1009.745,"end":1014.565,"sentiment":"neutral","sentiment_score":0.20414297096431255},{"text":"Is that okay?","start":1014.705,"end":1015.52496,"sentiment":"neutral","sentiment_score":0.14940870304902396},{"text":"Beautiful.","start":1017.8,"end":1018.3,"sentiment":"positive","sentiment_score":0.5472639799118042},{"text":"Now the last thing I wanted to cover is just in terms of the insurances.","start":1018.52,"end":1022.45996,"sentiment":"neutral","sentiment_score":0.013634980305020387}],"sentiment":"neutral","sentiment_score":0.1310223173697725,"num_words":36,"start":1009.185,"end":1022.45996},{"sentences":[{"text":"Now we've got here so you've got a Zurich insurance policy, life and disability insurance.","start":1025.16,"end":1032.1549,"sentiment":"neutral","sentiment_score":0.054523695011933646},{"text":"Just shy of 600,000 of life insurance and a little bit under that for TBD cover, which is your total disability.","start":1034.0549,"end":1041.0349,"sentiment":"neutral","sentiment_score":0.010228677342335383},{"text":"It's under $1,000 a year.","start":1042.2949,"end":1044.5549,"sentiment":"neutral","sentiment_score":0.08458324521780014},{"text":"Premium is pretty good, but there was a request that you said to to possibly try and top it up a little bit towards 750,000 or 1,000,000, something like that.","start":1045.815,"end":1056.94,"sentiment":"neutral","sentiment_score":-0.15188572704792022},{"text":"I just wanted to get your current thoughts on the amount that you prefer.","start":1056.94,"end":1069.265,"sentiment":"neutral","sentiment_score":-0.03511313881192889}],"sentiment":"neutral","sentiment_score":-0.04226566916879486,"num_words":85,"start":1025.16,"end":1069.265},{"sentences":[{"text":"Okay.","start":1069.265,"end":1069.765,"sentiment":"neutral","sentiment_score":-0.02009974420070648},{"text":"Yep.","start":1071.745,"end":1071.9851,"sentiment":"neutral","sentiment_score":0.045521508902311325},{"text":"I'm still here.","start":1071.9851,"end":1074.08,"sentiment":"neutral","sentiment_score":0.0367236373325189},{"text":"Can you hear me okay on your end?","start":1074.08,"end":1076.8999,"sentiment":"neutral","sentiment_score":0.018992658238857985},{"text":"So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil, and you've previously requested topping up the insurance a little bit.","start":1077.36,"end":1086.925,"sentiment":"neutral","sentiment_score":0.016095758748373816}],"sentiment":"neutral","sentiment_score":0.018005248477182736,"num_words":41,"start":1069.265,"end":1086.925},{"sentences":[{"text":"Just thinking the amount that you might be looking for.","start":1087.0651,"end":1090.125,"sentiment":"neutral","sentiment_score":0.09538828283548355},{"text":"Well, when the life insurance or TPD cover comes out in those life events, it'll essentially pay off the mortgage based on the current policy.","start":1096.8251,"end":1108.0,"sentiment":"neutral","sentiment_score":0.06428419589996338},{"text":"Now from there, the super comes into play as well.","start":1109.1,"end":1114.005,"sentiment":"neutral","sentiment_score":0.061906468495726584},{"text":"So just today's balance is a $102,000.","start":1114.245,"end":1117.365,"sentiment":"neutral","sentiment_score":0.08762068035347122},{"text":"That'll come across with the Queen of Family Fort Worth.","start":1117.365,"end":1120.825,"sentiment":"neutral","sentiment_score":0.1431008458137512}],"sentiment":"neutral","sentiment_score":0.08426460695843543,"num_words":62,"start":1087.0651,"end":1120.825},{"sentences":[{"text":"It it doesn't set them up in any other way to replace your income for five, ten, twenty years, but it does clear the mortgage and give them $25 each in those.","start":1122.725,"end":1132.62,"sentiment":"neutral","sentiment_score":0.062142917111486895},{"text":"Now the thing to think about is we can't just increase the cover through Zurich.","start":1136.36,"end":1143.975,"sentiment":"neutral","sentiment_score":-0.13348457217216492},{"text":"Because what happens is they go through underwriting, and they go, okay.","start":1144.675,"end":1148.515,"sentiment":"neutral","sentiment_score":-0.17314464350541434},{"text":"Check your health history, all that kind of thing.","start":1148.515,"end":1150.775,"sentiment":"neutral","sentiment_score":-0.10876288264989853},{"text":"Now you did mention that your your brother had been diagnosed with Parkinson's when he was about 40, 41, I believe.","start":1151.5549,"end":1158.23,"sentiment":"neutral","sentiment_score":-0.10524430037254379}],"sentiment":"neutral","sentiment_score":-0.05933064279497047,"num_words":89,"start":1122.725,"end":1158.23},{"sentences":[{"text":"So what that kind of led up to in terms of the market is you would get an exclusion on Parkinson's for any increased cover, which is, you know, not the worst thing in the world.","start":1161.1699,"end":1174.425,"sentiment":"neutral","sentiment_score":-0.3238525216778119},{"text":"The cover you've got, you could claim on anything, and the increased cover, you just couldn't claim on Parkinson's for the increased amount.","start":1174.425,"end":1181.3251,"sentiment":"neutral","sentiment_score":-0.17766904895720276},{"text":"We did find a provider that was offering income protection and the licensed CPD, which was pretty good for your occupation at the time.","start":1185.6001,"end":1196.5801,"sentiment":"neutral","sentiment_score":0.25970294947425526},{"text":"So what I would actually be looking at is either a little bit of life and disability insurance top up if you wanted, like, another 200,000 or something like that and possibly income protection if you were still wanting to look at that type of cover.","start":1197.8401,"end":1211.67,"sentiment":"neutral","sentiment_score":0.08424219185405452},{"text":"In terms of, like, the claim or the the prices?","start":1230.075,"end":1232.975,"sentiment":"neutral","sentiment_score":0.018196294829249383}],"sentiment":"neutral","sentiment_score":-0.03924535500327889,"num_words":139,"start":1161.1699,"end":1232.975},{"sentences":[{"text":"Or yeah.","start":1233.035,"end":1238.475,"sentiment":"neutral","sentiment_score":0.07497232034802437},{"text":"So you've got kind of like an annual premium that comes out of the super.","start":1238.475,"end":1244.3301,"sentiment":"neutral","sentiment_score":0.11515495131413142},{"text":"And if we added on that policy, there'd be another annual premium that comes out funded through the super there.","start":1244.79,"end":1253.355,"sentiment":"neutral","sentiment_score":0.13508906811475754},{"text":"I would obviously make sure that we didn't put anything that was too expensive in place to drag the super back as of course.","start":1253.6549,"end":1260.075,"sentiment":"neutral","sentiment_score":-0.0916703341063112},{"text":"What we've got to kind of pick between is there's a huge range in the prices based on your waiting period and your benefit period.","start":1263.015,"end":1270.79,"sentiment":"neutral","sentiment_score":-0.05624130994081497}],"sentiment":"neutral","sentiment_score":0.011313133786410787,"num_words":86,"start":1233.035,"end":1270.79},{"sentences":[{"text":"Now what that kind of excuse me.","start":1272.45,"end":1275.03,"sentiment":"neutral","sentiment_score":-0.11858952417969704},{"text":"Sorry.","start":1277.01,"end":1277.33,"sentiment":"neutral","sentiment_score":-0.13048464059829712},{"text":"Paul said to clear my throat.","start":1277.33,"end":1278.585,"sentiment":"neutral","sentiment_score":-0.11038959150513013},{"text":"When it comes to the waiting period and the benefit period, you've got, like, a standard waiting period of thirty days where you're out of work for a month, and here's the monthly income replacement.","start":1279.065,"end":1289.1649,"sentiment":"neutral","sentiment_score":-0.011422923513289008},{"text":"If you have a lot of leave and savings, you can kick that out sixty or ninety days, and that'll get the premiums down.","start":1289.705,"end":1296.3999,"sentiment":"neutral","sentiment_score":0.0185029906181929}],"sentiment":"neutral","sentiment_score":-0.021625745301581407,"num_words":73,"start":1272.45,"end":1296.3999},{"sentences":[{"text":"But then you've got a last kind of three months on the run.","start":1296.5399,"end":1299.2,"sentiment":"neutral","sentiment_score":-0.06280422783814944},{"text":"Any thoughts there?","start":1301.8999,"end":1303.0399,"sentiment":"neutral","sentiment_score":0.023673639943202335},{"text":"Yep.","start":1306.94,"end":1307.44,"sentiment":"neutral","sentiment_score":0.07606084644794464},{"text":"Yep.","start":1317.6951,"end":1318.175,"sentiment":"neutral","sentiment_score":0.08661528676748276},{"text":"And then that'll kick in after that.","start":1318.175,"end":1320.275,"sentiment":"neutral","sentiment_score":0.05827527812549046}],"sentiment":"neutral","sentiment_score":-0.006993238478899002,"num_words":25,"start":1296.5399,"end":1320.275},{"sentences":[{"text":"Perfect.","start":1323.48,"end":1323.98,"sentiment":"positive","sentiment_score":0.545386791229248},{"text":"Now the next thing in terms of the benefit period, so let's say I was going full comprehensive.","start":1324.2,"end":1333.02,"sentiment":"neutral","sentiment_score":0.169766989019182},{"text":"You would get a policy that pays you all the way up to the age of 65.","start":1333.72,"end":1337.74,"sentiment":"neutral","sentiment_score":0.1352875578929396},{"text":"So thirty days and 65.","start":1337.96,"end":1340.115,"sentiment":"neutral","sentiment_score":0.09518346190452576},{"text":"Below that, you can drop down to five years or two years to get the premium lower, and it covers you more for short to medium term.","start":1341.455,"end":1349.155,"sentiment":"neutral","sentiment_score":0.14070367785515608}],"sentiment":"neutral","sentiment_score":0.14964702484362266,"num_words":68,"start":1323.48,"end":1349.155},{"sentences":[{"text":"Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards.","start":1352.655,"end":1362.09,"sentiment":"neutral","sentiment_score":0.014105608476506125},{"text":"So if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term.","start":1362.63,"end":1369.565,"sentiment":"neutral","sentiment_score":0.11090175280797071},{"text":"If something long term happens, there's your 700,000 of total disability pops out.","start":1369.705,"end":1374.585,"sentiment":"neutral","sentiment_score":0.027524215240891162},{"text":"How's that sound?","start":1374.585,"end":1375.485,"sentiment":"neutral","sentiment_score":0.13314739366372427},{"text":"Cool.","start":1378.505,"end":1379.005,"sentiment":"positive","sentiment_score":0.33855289220809937}],"sentiment":"neutral","sentiment_score":0.06167837098095711,"num_words":77,"start":1352.655,"end":1379.005},{"sentences":[{"text":"Last thing I'll say on it is when you first got through a policy, you're under, like, a white collar occupation, and they've got you currently listed as a store man for the new cover.","start":1379.465,"end":1389.76,"sentiment":"neutral","sentiment_score":-0.009575092207108225},{"text":"So that's why I have to kind of shop around with somebody else.","start":1389.76,"end":1392.66,"sentiment":"neutral","sentiment_score":-0.08642010419414593},{"text":"Cool.","start":1395.4401,"end":1395.92,"sentiment":"neutral","sentiment_score":0.2212495803833008},{"text":"So what I'll basically do is I'll put together some quotes.","start":1395.92,"end":1399.3601,"sentiment":"neutral","sentiment_score":0.13333386318250137},{"text":"I'll tweak the investments inside the super, and then we'll get you back in with me to kind of run through the plan in writing if that's okay.","start":1399.3601,"end":1406.0751,"sentiment":"neutral","sentiment_score":0.13774732101176465}],"sentiment":"neutral","sentiment_score":0.046434744113040244,"num_words":88,"start":1379.465,"end":1406.0751},{"sentences":[{"text":"Awesome, mate.","start":1408.935,"end":1409.495,"sentiment":"positive","sentiment_score":0.5025071948766708},{"text":"Any questions on that so far?","start":1409.495,"end":1411.115,"sentiment":"neutral","sentiment_score":0.15088126187523207},{"text":"Fantastic.","start":1414.375,"end":1414.875,"sentiment":"positive","sentiment_score":0.44560882449150085},{"text":"Alrighty.","start":1415.5901,"end":1416.0901,"sentiment":"neutral","sentiment_score":0.2943990230560303},{"text":"I've sent you off that annual review pack.","start":1416.63,"end":1419.05,"sentiment":"neutral","sentiment_score":0.21323733404278755}],"sentiment":"neutral","sentiment_score":0.24201158227192032,"num_words":18,"start":1408.935,"end":1419.05},{"sentences":[{"text":"It's got your performance, your certificate for the insurances, our service guides with our updated licensing details, and then just the hub twenty four consent form if you're still comfortable for us to remain advisers on your account.","start":1419.27,"end":1434.1649,"sentiment":"neutral","sentiment_score":0.13305664091910185},{"text":"Just to let you know as well.","start":1438.625,"end":1440.245,"sentiment":"neutral","sentiment_score":0.061162013560533524},{"text":"Yeah.","start":1442.7849,"end":1443.15,"sentiment":"neutral","sentiment_score":0.08273966610431671},{"text":"So what I'll do is I'll resend it through to you just so it's fresh.","start":1443.23,"end":1446.77,"sentiment":"neutral","sentiment_score":0.0983148897687594},{"text":"And if you're comfortable with that, that'll come back to us.","start":1446.91,"end":1450.53,"sentiment":"neutral","sentiment_score":0.0809090059589256}],"sentiment":"neutral","sentiment_score":0.11016317400046521,"num_words":72,"start":1419.27,"end":1450.53},{"sentences":[{"text":"We still do charge the the 1.65% through the super, though.","start":1450.8301,"end":1454.77,"sentiment":"neutral","sentiment_score":0.052924481982534584},{"text":"There is discounts now when you get above 200,000, so we'll get you there as quick as we can.","start":1454.99,"end":1460.5449,"sentiment":"neutral","sentiment_score":0.1629454626848823},{"text":"Awesome.","start":1463.325,"end":1463.825,"sentiment":"positive","sentiment_score":0.3462856709957123},{"text":"Hopefully, we've hit twenty four minutes.","start":1463.965,"end":1465.965,"sentiment":"neutral","sentiment_score":0.11847672487298648},{"text":"I've tried to keep it under half an hour, but do you have any other questions for me before I let you go?","start":1465.965,"end":1470.12,"sentiment":"neutral","sentiment_score":0.07421374353377716}],"sentiment":"neutral","sentiment_score":0.1073699202388525,"num_words":60,"start":1450.8301,"end":1470.12},{"sentences":[{"text":"Easy done, mate.","start":1478.68,"end":1479.4,"sentiment":"positive","sentiment_score":0.7028330365816752},{"text":"You leave it with me.","start":1479.4,"end":1480.28,"sentiment":"positive","sentiment_score":0.44686890840530397},{"text":"I'll put the new plan together, and I'll put you in a couple of weeks.","start":1480.28,"end":1483.26,"sentiment":"positive","sentiment_score":0.38202133774757385},{"text":"Thanks, mate.","start":1485.927,"end":1486.3619,"sentiment":"positive","sentiment_score":0.7942158579826355},{"text":"See you later.","start":1486.3619,"end":1487.2269,"sentiment":"positive","sentiment_score":0.637002964814504}],"sentiment":"positive","sentiment_score":0.484735868871212,"num_words":28,"start":1478.68,"end":1487.2269},{"sentences":[{"text":"Bye.","start":1487.287,"end":1487.787,"sentiment":"neutral","sentiment_score":0.30790185928344727}],"sentiment":"neutral","sentiment_score":0.30790185928344727,"num_words":1,"start":1487.287,"end":1487.787}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Yourself? Yeah. I kinda complain. Yep. Hopefully, about thirty minutes. No worries. Yep. 05/21/1985, and, hopefully, it's 15 Valley Crescent, Palm View. Yeah. Yep. Yes. Yep. Not really. Yeah. No. That's no. I got rid of that one. What feeling it serious. Sweet. Yep. Yeah. Well, we moved into our man, it's been a while since we updated property three years ago. I'm just paying off a mortgage. We're trying to giving up on the investment at the moment. We just can't afford it. Yeah. $5.28. I've got it at $5.21.5 at the moment. About $990.12. No one a bit. Yeah. Yep. No. I've had that one written off. So it's now 30,000. About 35. I've only got the ZipPay. It's got nothing owing on it. I think that's about it. Yep. Yep. So is it about what? Sorry. Yeah. I'm paying what is it? I get 36 well, 1,300 a week after tax, roughly. No. No. Not able to save at the moment. Yes. Yeah. No. I'm just putting in a shed at the moment, and I yeah. That's it. Just doing minor things around the house. Yes. Yes. Yes. No. Not really. Like, as much as I can make money, but not risk too much. Yeah. Yeah. Yeah. Yep. Yep. Sweet. Yep. Right. Yeah. Yeah. Yeah. Yeah. Yes. Yep. I guess that's a good thing. Yeah. Yeah. Whatever. Yep. Yes. Yeah. I'm good. Yeah. Well, if it's not performing the way it should be, just get rid of it. Yep. Yeah. Okay. If I can get higher return, like, how much higher are the fees? Yep. Okay. Is that the passive or aggressive? Yep. Yeah. Yeah. That's yeah. Well, just go the one that'll give you point nine. Yep. Not really. But if yeah. Yep. Nah. None at all. Like, I'm pretty easy. Like, as long as my going in the right direction and not the wrong direction, I'm happy. But but I also understand yeah. I also understand that it is gonna fluctuate. So yeah. Yeah. Yeah. That's it. No. That's it. Speak. Yep. Yeah. Yeah. That's okay. Is it One of the beneficiaries as well? I Oh, that's easy. Yeah. That makes it a hell of a lot easier because I don't have a printer or a computer. Yep. Yep. Yep. Yeah. Yes. Sorry. I'm just trying to get away from all the noisy people. You there still? Yeah. Yeah. Yes. What would you suggest? Yep. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yep. Yeah. Yeah. If that helps out. Is it income protection up front, or is that included? No. I love cheese. Yep. Yep. Yep. Yep. You're right. Yeah. Yeah. Yeah. Just leave it at the thirty days. Right? Or if or even yeah. That'll do. I've usually got four weeks of annual leave and sick pay up my sleeve anyway. Yeah. Yep. Yep. Yeah. Sounds good. Yep. Yep. Yep. Sounds good. Yep. Yep. Yeah. Yes. Sounds good. No. That's it. Yep. Yep. I'll just have to sign that when I get a fine. Yep. Wait. No. That's it. Alright. As long as the soup is performing in the way it's meant to be, I'm happy. Alright. Sounds good. Thank you very much. Alright. 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Good. Thanks. Yourself? Yeah.\n\nI kinda complain. Yep. Hopefully, about thirty minutes. No worries. Yep.\n\n05/21/1985, and, hopefully, it's 15 Valley Crescent, Palm View. Yeah. Yep. Yes. Yep.\n\nNot really. Yeah. No. That's no. I got rid of that one.\n\nWhat feeling it serious. Sweet. Yep. Yeah. Well, we moved into our man, it's been a while since we updated property three years ago.\n\nI'm just paying off a mortgage. We're trying to giving up on the investment at the moment. We just can't afford it. Yeah. $5.28.\n\nI've got it at $5.21.5 at the moment. About $990.12. No one a bit. Yeah. Yep.\n\nNo. I've had that one written off. So it's now 30,000. About 35. I've only got the ZipPay.\n\nIt's got nothing owing on it. I think that's about it. Yep. Yep. So is it about what?\n\nSorry. Yeah. I'm paying what is it? I get 36 well, 1,300 a week after tax, roughly. No.\n\nNo. Not able to save at the moment. Yes. Yeah. No.\n\nI'm just putting in a shed at the moment, and I yeah. That's it. Just doing minor things around the house. Yes. Yes.\n\nYes. No. Not really. Like, as much as I can make money, but not risk too much. Yeah.\n\nYeah. Yeah. Yep. Yep. Sweet.\n\nYep. Right. Yeah. Yeah. Yeah.\n\nYeah. Yes. Yep. I guess that's a good thing. Yeah.\n\nYeah. Whatever. Yep. Yes. Yeah.\n\nI'm good. Yeah. Well, if it's not performing the way it should be, just get rid of it. Yep. Yeah.\n\nOkay. If I can get higher return, like, how much higher are the fees? Yep. Okay. Is that the passive or aggressive?\n\nYep. Yeah. Yeah. That's yeah. Well, just go the one that'll give you point nine.\n\nYep. Not really. But if yeah. Yep. Nah.\n\nNone at all. Like, I'm pretty easy. Like, as long as my going in the right direction and not the wrong direction, I'm happy. But but I also understand yeah. I also understand that it is gonna fluctuate.\n\nSo yeah. Yeah. Yeah. That's it. No.\n\nThat's it. Speak. Yep. Yeah. Yeah.\n\nThat's okay. Is it One of the beneficiaries as well? I Oh, that's easy. Yeah. That makes it a hell of a lot easier because I don't have a printer or a computer.\n\nYep. Yep. Yep. Yeah. Yes.\n\nSorry. I'm just trying to get away from all the noisy people. You there still? Yeah. Yeah.\n\nYes. What would you suggest? Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYeah. If that helps out. Is it income protection up front, or is that included? No. I love cheese.\n\nYep. Yep. Yep. Yep. You're right.\n\nYeah. Yeah. Yeah. Just leave it at the thirty days. Right?\n\nOr if or even yeah. That'll do. I've usually got four weeks of annual leave and sick pay up my sleeve anyway. Yeah. Yep.\n\nYep. Yeah. Sounds good. Yep. Yep.\n\nYep. Sounds good. Yep. Yep. Yeah.\n\nYes. Sounds good. No. That's it. Yep.\n\nYep. I'll just have to sign that when I get a fine. Yep. Wait. No.\n\nThat's it. Alright. As long as the soup is performing in the way it's meant to be, I'm happy. Alright. Sounds good.\n\nThank you very much. Alright. 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good.","start":1376.355,"end":1377.1749,"sentiment":"positive","sentiment_score":0.47759585082530975},{"text":"Yep.","start":1385.715,"end":1386.215,"sentiment":"neutral","sentiment_score":-0.0066964514553546906},{"text":"Yep.","start":1390.275,"end":1390.775,"sentiment":"neutral","sentiment_score":-0.07696487009525299},{"text":"Yeah.","start":1392.98,"end":1393.48,"sentiment":"neutral","sentiment_score":0.08740183711051941}],"sentiment":"neutral","sentiment_score":0.19574410654604435,"num_words":6,"start":1375.63,"end":1393.48},{"sentences":[{"text":"Yes.","start":1406.495,"end":1406.735,"sentiment":"neutral","sentiment_score":0.19081953167915344},{"text":"Sounds good.","start":1406.735,"end":1407.555,"sentiment":"positive","sentiment_score":0.40030089020729065},{"text":"No.","start":1411.455,"end":1411.695,"sentiment":"neutral","sentiment_score":-0.011512922123074532},{"text":"That's it.","start":1411.695,"end":1412.435,"sentiment":"neutral","sentiment_score":0.03275908995419741},{"text":"Yep.","start":1419.455,"end":1419.955,"sentiment":"neutral","sentiment_score":0.15937310457229614}],"sentiment":"neutral","sentiment_score":0.17211423920733587,"num_words":7,"start":1406.495,"end":1419.955},{"sentences":[{"text":"Yep.","start":1430.9401,"end":1431.4401,"sentiment":"neutral","sentiment_score":0.08868518471717834},{"text":"I'll just have to sign that when I get a fine.","start":1437.785,"end":1441.0851,"sentiment":"neutral","sentiment_score":0.07808688994158398},{"text":"Yep.","start":1455.0499,"end":1455.5499,"sentiment":"neutral","sentiment_score":0.12392215430736542},{"text":"Wait.","start":1460.89,"end":1461.315,"sentiment":"neutral","sentiment_score":0.12706640362739563},{"text":"No.","start":1470.595,"end":1470.9149,"sentiment":"neutral","sentiment_score":-0.23693613708019257}],"sentiment":"neutral","sentiment_score":0.06411289299527805,"num_words":15,"start":1430.9401,"end":1470.9149},{"sentences":[{"text":"That's it.","start":1470.9149,"end":1471.735,"sentiment":"neutral","sentiment_score":-0.17339316755533218},{"text":"Alright.","start":1471.875,"end":1472.375,"sentiment":"neutral","sentiment_score":0.18670044839382172},{"text":"As long as the soup is performing in the way it's meant to be, I'm happy.","start":1472.9149,"end":1476.695,"sentiment":"positive","sentiment_score":0.4066134802997112},{"text":"Alright.","start":1483.3401,"end":1483.74,"sentiment":"positive","sentiment_score":0.5603691339492798},{"text":"Sounds good.","start":1483.74,"end":1484.56,"sentiment":"positive","sentiment_score":0.8355014026165009}],"sentiment":"positive","sentiment_score":0.38986826078458264,"num_words":22,"start":1470.9149,"end":1484.56},{"sentences":[{"text":"Thank you very much.","start":1484.7001,"end":1485.76,"sentiment":"positive","sentiment_score":0.8721221387386322},{"text":"Alright.","start":1487.1,"end":1487.6,"sentiment":"neutral","sentiment_score":0.3135252594947815},{"text":"Bye.","start":1487.8201,"end":1488.3201,"sentiment":"neutral","sentiment_score":-0.10943690687417984}],"sentiment":"positive","sentiment_score":0.6154294845958551,"num_words":6,"start":1484.7001,"end":1488.3201}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Paul. It's Tommy here from OQ Financial, mate, senior adviser. How are you doing?\n\nChannel 1: Hello? Good. Thanks. Yourself?\n\nChannel 0: Thanks for living the dream. Been a beautiful day. How about your end?\n\nChannel 1: Yeah. I kinda complain.\n\nChannel 0: Good stuff. Good stuff. Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for.\n\nChannel 1: Yep.\n\nChannel 0: How long have I got you for today?\n\nChannel 1: Hopefully, about thirty minutes.\n\nChannel 0: Oh, I can be done much earlier than thirty minutes, my friend.\n\nChannel 1: No worries.\n\nChannel 0: Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email.\n\nChannel 1: Yep.\n\nChannel 0: I just need to confirm your date of birth and address that we would have on file.\n\nChannel 1: 05/21/1985,\n\nChannel 0: Yep.\n\nChannel 1: and, hopefully, it's 15 Valley Crescent, Palm View.\n\nChannel 0: Yeah. That's the one we've got all that updated. Thank you for that. And I'm registered with adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Paul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight. Is that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super\n\nChannel 1: Yes.\n\nChannel 0: and just sort of what's been going on in the market, a few ideas to run by you. Is there\n\nChannel 1: Yep.\n\nChannel 0: anything else in particular that you want me to focus on today?\n\nChannel 1: Not really.\n\nChannel 0: Perfect. Before I jump into those areas, are you okay for me to just update a few details that we have on file? No worries at all. So I'm just having a quick look because we've got a new system here kind of custom built for us. It's really\n\nChannel 1: Yeah.\n\nChannel 0: good, but I just need to make sure all this is current. For the address that you gave me before, we did have a PO box also listed. I'm just\n\nChannel 1: No.\n\nChannel 0: wondering if you're still using\n\nChannel 1: That's\n\nChannel 0: that for postage.\n\nChannel 1: no. I got rid of that one.\n\nChannel 0: Perfect. I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well. I'm just making sure that the PO box isn't on there anymore. Perfect.\n\nChannel 1: What feeling it\n\nChannel 0: I believe my my admin, Michelle, I think she'd already updated it for you because that was quite an old\n\nChannel 1: serious.\n\nChannel 0: PO box.\n\nChannel 1: Sweet.\n\nChannel 0: Alrighty. Outside of that, we've got you just as far as relationship and family go, we've got your partner Elizabeth and three children. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. They're all still on the eighteenth at the moment, still counted as\n\nChannel 1: Yeah.\n\nChannel 0: dependent. Yes, please. As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future. I do have a home and mortgage listed. Just wondering kind of where you're at with regards to the property goal.\n\nChannel 1: Well, we moved into our man, it's been a while since we updated property three years ago.\n\nChannel 0: Perfect. And did you require any investment properties, or is it still just paying off this mortgage at the moment?\n\nChannel 1: I'm just paying off a mortgage. We're trying to giving up on the investment at the moment. We just can't afford it.\n\nChannel 0: Yep. No. That's fair enough. I I hear the same sentiment echo pretty much everywhere these days.\n\nChannel 1: Yeah.\n\nChannel 0: I'm gonna do a quick online evaluation update. Just wondering how the mortgage is sitting at the moment. We last had it at $5.28.\n\nChannel 1: $5.28. I've got it at $5.21.5 at the moment.\n\nChannel 0: $5.21.5. Beautiful. And how much do you reckon you would you have to balance for?\n\nChannel 1: About $990.12. No one a bit.\n\nChannel 0: Cool. I'll go to service with that one. I think they had $9.50. I'll just bump it up to $9.90. Is that okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Last couple of financial details. We've got a car there, which I believe you had a a loan on at the time.\n\nChannel 1: Yep.\n\nChannel 0: Still only about 20,000 on the car.\n\nChannel 1: No. I've had that one written off. So it's now 30,000.\n\nChannel 0: And 30,000. And is the resale value of the vehicle running about the same?\n\nChannel 1: About 35.\n\nChannel 0: Perfect. Perfect. That one's done. Any other loans or liabilities floating around? Credit card, personal loan?\n\nChannel 1: I've only got the ZipPay. It's got nothing owing on it. I think that's about\n\nChannel 0: Dormant.\n\nChannel 1: it.\n\nChannel 0: Beautiful. I was having a look at the contributions through the super, and I can see you're still with North Coast Smallgoods. Correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. We had you there as a\n\nChannel 1: Yep.\n\nChannel 0: on based on the contributions, I'm guessing your income's a little over 60,000 at the moment.\n\nChannel 1: So is it about what? Sorry.\n\nChannel 0: Over 60,000 is what I'm estimating for the income.\n\nChannel 1: Yeah. I'm paying what is it? I get 36 well, 1,300 a week after tax, roughly.\n\nChannel 0: Perfect. 1,300 a week. Thanks. Thank you. Just in terms of the cash flow there, based on I know the prices of petrol and everything going up and down and mortgage rates and everything.\n\nBut are you managing to set aside a certain amount into savings each week, or how does\n\nChannel 1: No.\n\nChannel 0: the budgeting go?\n\nChannel 1: No. Not able to save at the moment.\n\nChannel 0: No. Not many people can. Probably out of every 20 people I talk to, maybe two people have a business that they have set aside at the moment.\n\nChannel 1: Yes.\n\nChannel 0: Outside of that, so what would be, like, the main focus for you guys at the moment? Obviously, just\n\nChannel 1: Yeah.\n\nChannel 0: trying to handle the mortgage and and day to day expenses. You put a pause on the property ideas at the moment. Anything else that you're doing? Renovations or anything, Holiday?\n\nChannel 1: No. I'm just putting in a shed at the moment, and I yeah. That's it. Just doing minor things around the house.\n\nChannel 0: Yes. Alright. Few things here and there. And a shirt. That sounds great.\n\nAnd alright. We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years,\n\nChannel 1: Yes.\n\nChannel 0: have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Okay. And I'm having a look at the the super at the moment. We basically had you as, like, a a growth risk profile. So 80% in, like, shares, property, gold. You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%.\n\nDoes that ring a bell?\n\nChannel 1: No. Not really. Like, as much as I can make money, but not risk too much.\n\nChannel 0: Gotcha. Gotcha. So the way it would kind of work, I'll give you an example with your account. Because you're sitting in growth, it can be considered a bit above medium risk because it is primarily focused on, you know, capital growth long term.\n\nChannel 1: Yeah.\n\nChannel 0: You obviously don't wanna be sitting in either a growth or high growth risk profile if you're, like, 65 years old. Because, you\n\nChannel 1: Yeah.\n\nChannel 0: know, once you've built up a million dollars, probably don't wanna lose half of it a day before you retire, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Now in terms of volatility, I'll give you a bit of an idea in dollar terms. So when your account had a a market drop in March, it's actually dropped twice this year. Still in the positive\n\nChannel 1: Yep.\n\nChannel 0: for the year, but when the Iran war kicked off, it went from 97,000 down to\n\nChannel 1: Yep.\n\nChannel 0: 90, and now it's bounced back up to $10.02. So that's kind of how it goes in the growth is it can drop that, you know, five,\n\nChannel 1: Sweet.\n\nChannel 0: 15%, but then\n\nChannel 1: Yep.\n\nChannel 0: it can grow 10,\n\nChannel 1: Right.\n\nChannel 0: fifteen, twenty.\n\nChannel 1: Yeah.\n\nChannel 0: What tends to happen is, like, if every seven years, the market tends to grow for, like, five or six, and then it crashes then it grows, then it crashes. There's always a COVID or a GSE or something.\n\nChannel 1: Yeah.\n\nChannel 0: Right?\n\nChannel 1: Yeah.\n\nChannel 0: So what you're basically aiming for is, like, a nice, consistent average return of, say, above 9% would be\n\nChannel 1: Yeah.\n\nChannel 0: ideal. Now just having a look at a full breakdown of yours, we've got you in growth portfolio. It's grown roundabout 42% over the last, give or take, four years. So you've just cleared just under 11% per annum after fees. It's a little bit lower this year.\n\nIt's only gone up about $6.5 from the growth and then contributions on top.\n\nChannel 1: Yes.\n\nChannel 0: Around\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: I guess that's a good thing.\n\nChannel 0: around the industry. People kind of lagging behind at 6%, and they just\n\nChannel 1: Yeah.\n\nChannel 0: really need to play catch up. So while that's good, I do wanna make a couple of updates if this is okay.\n\nChannel 1: Yeah. Whatever.\n\nChannel 0: Now I'm probably not gonna push you into, like, a high risk or anything, but all\n\nChannel 1: Yep.\n\nChannel 0: I'm saying is that because you've got these eight options, you know, and one of them is in gold, one of them is in shares, one is in property, there's one here. It's called a bank hybrid term deposit. Basically, that type of term deposit is gonna be phased out by the government in a couple of years' time. So I just wanna kind of get ahead of it and switch it out for a different one.\n\nChannel 1: Yes. Yeah. I'm good.\n\nChannel 0: And there is one out of the eight that's been underperforming. Some Australian shares with Benelon. Normally, I would say, look, if one option goes down, it's not the end of the world. But this one fund seems to be kind of shooting down faster than everybody else and then not coming back up as fast when the market goes up.\n\nChannel 1: Yeah. Well, if it's not performing the way it should be, just get rid of it.\n\nChannel 0: Yeah. So I'm gonna slot it out. And, basically, when you're in Hub twenty four like you are,\n\nChannel 1: Yep.\n\nChannel 0: it does have\n\nChannel 1: Yeah.\n\nChannel 0: the most investment options in the industry. It's about 1,300.\n\nChannel 1: Okay.\n\nChannel 0: Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from. So, basically, you can go for low fees or pay higher fees for a higher return. One's passive, one's active. Which way does your gut feeling lean towards the\n\nChannel 1: If I can get higher return, like, how much higher are the fees?\n\nChannel 0: call? Well, the good news in this particular case, we constantly research the options, and we've got good ones in either style.\n\nChannel 1: Yep.\n\nChannel 0: The option I wanna replace is around about a 1% fee, but there is another option out there that's, like, 0.9. It's about 10% cheaper, but it's been consistently performing well over one, three, five in ten years. I wanna consider putting that one in instead. So it actually drops the fees a little bit.\n\nChannel 1: Okay. Is that the passive or aggressive?\n\nChannel 0: So oh, so that one is the an active replacement. Think of it this way. If Venmo is charging you 1% but returning 4%, this\n\nChannel 1: Yep.\n\nChannel 0: other one's charging point nine, but returning 12.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: We can do a passive option that's charging point two, but it's also returning 11. So it's, like, kind of putting the difference and not too much different, though.\n\nChannel 1: yeah. Well, just go the one that'll\n\nChannel 0: So\n\nChannel 1: give you point nine.\n\nChannel 0: yep. So I'll do, like, an updated plan for you where we just do the comparison. This is what we wanna switch out. This is what it does, the fees and the performance in the\n\nChannel 1: Yep.\n\nChannel 0: projection. I will base it on the contributions that are going into the super. Are you looking to do any salary sacrifice at the moment? I know you said cash is a bit strapped at the moment.\n\nChannel 1: Not really. But\n\nChannel 0: So\n\nChannel 1: if\n\nChannel 0: it is based on what the employer is putting in.\n\nChannel 1: yeah.\n\nChannel 0: Okay. So I'm gonna do a bit of a research request for that one. Probably take me a couple of weeks just to update everything, and\n\nChannel 1: Yep.\n\nChannel 0: then we'll go through that with you. Any questions on that so far?\n\nChannel 1: Nah. None at all. Like, I'm pretty easy.\n\nChannel 0: No.\n\nChannel 1: Like,\n\nChannel 0: When?\n\nChannel 1: as long as my going in the right direction and not the wrong direction, I'm happy.\n\nChannel 0: Absolutely.\n\nChannel 1: But but\n\nChannel 0: My\n\nChannel 1: I also\n\nChannel 0: job\n\nChannel 1: understand\n\nChannel 0: basically is like sorry. Go for it, mate.\n\nChannel 1: yeah. I also understand that it is gonna fluctuate. So yeah.\n\nChannel 0: Yeah. Can't\n\nChannel 1: Yeah.\n\nChannel 0: control the weather, but we can pick the vehicle, I guess,\n\nChannel 1: Yeah.\n\nChannel 0: what I usually say.\n\nChannel 1: That's it.\n\nChannel 0: And we won't go for a formula one racer for you because you probably don't wanna be slipping off the road with that little of risk, but we'll get you something\n\nChannel 1: No.\n\nChannel 0: that trucks along pretty steady.\n\nChannel 1: That's it. Speak.\n\nChannel 0: And with your your beneficiary nominations, just quickly checking estate plans, we have four beneficiaries listed. We've got Elizabeth, Elijah, Landon, and Aurora, all split four ways.\n\nChannel 1: Yep.\n\nChannel 0: Ways. So if you're comfortable with that nomination as is, the only one thing I would run by you is it seems to be like an online nomination. And when it's online, they set it as a non legally binding. And what it basically means is the super fund has discretion on where the super goes if someone, you know, calls up and can test it and things\n\nChannel 1: Yeah.\n\nChannel 0: like that. Yeah. So we can send you out, like, a form that makes it legally binding, but it does have to be, like, signed and and witnessed by a couple of adults if you're comfortable to do that.\n\nChannel 1: Yeah. That's okay. Is it One of\n\nChannel 0: Yep.\n\nChannel 1: the beneficiaries as well?\n\nChannel 0: No. So you have to be two adults that are not beneficiaries to witness your signature on the same day.\n\nChannel 1: I Oh, that's easy.\n\nChannel 0: Cool. Now two options there. Like, we can email them out, and you can sort of print it, sign it, scan it back. But if it's easier, we can always post them out with a return envelope as well\n\nChannel 1: Yeah.\n\nChannel 0: if that\n\nChannel 1: That makes\n\nChannel 0: makes\n\nChannel 1: it a hell\n\nChannel 0: it\n\nChannel 1: of a lot easier\n\nChannel 0: easier\n\nChannel 1: because I don't have\n\nChannel 0: for\n\nChannel 1: a printer\n\nChannel 0: you.\n\nChannel 1: or\n\nChannel 0: Easy done.\n\nChannel 1: a\n\nChannel 0: I\n\nChannel 1: computer.\n\nChannel 0: will get Michelle to post it at you. That is no worries at all. Alrighty. So beneficiaries will just change the type, but keep the same people with the same percentages. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the last thing I wanted to cover is just in terms of the insurances.\n\nChannel 1: Yep.\n\nChannel 0: Now we've got here so you've got a Zurich insurance policy, life and disability insurance.\n\nChannel 1: Yep.\n\nChannel 0: Just shy of 600,000 of life insurance and a little bit under that for TBD cover, which is your total disability.\n\nChannel 1: Yeah.\n\nChannel 0: It's under $1,000 a year. Premium is pretty good, but there was a request that you said to to possibly try and top it up a little bit towards 750,000 or 1,000,000, something like that. I just\n\nChannel 1: Yes.\n\nChannel 0: wanted to get your current thoughts on the amount that you\n\nChannel 1: Sorry. I'm just trying to get away from all the noisy people.\n\nChannel 0: prefer.\n\nChannel 1: You\n\nChannel 0: Okay.\n\nChannel 1: there still?\n\nChannel 0: Yep. I'm still here. Can you\n\nChannel 1: Yeah.\n\nChannel 0: hear me okay on your end? So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil,\n\nChannel 1: Yeah.\n\nChannel 0: and you've previously requested topping up the insurance a little bit. Just\n\nChannel 1: Yes.\n\nChannel 0: thinking the amount that you might be looking for.\n\nChannel 1: What would you suggest?\n\nChannel 0: Well, when the life insurance or TPD cover comes out in those life events, it'll essentially pay off the mortgage based\n\nChannel 1: Yep.\n\nChannel 0: on the\n\nChannel 1: Yeah.\n\nChannel 0: current policy. Now from there, the super comes into play as well. So just today's balance is a $102,000. That'll come\n\nChannel 1: Yeah.\n\nChannel 0: across with the Queen of Family Fort Worth. It it doesn't set them up in any other way to replace\n\nChannel 1: Yeah.\n\nChannel 0: your income for five, ten, twenty years, but it does clear the mortgage and give them $25 each in those.\n\nChannel 1: Yep.\n\nChannel 0: Now the thing to think about is we can't just increase the cover through Zurich. Because what happens is they go through underwriting, and they go,\n\nChannel 1: Yep.\n\nChannel 0: okay. Check your health history, all that kind of thing. Now you did mention that your your brother had been diagnosed with Parkinson's when he was about 40,\n\nChannel 1: Yeah.\n\nChannel 0: 41, I believe.\n\nChannel 1: Yeah.\n\nChannel 0: So what that kind of led up to in terms of the market is you would get an exclusion on Parkinson's for any increased cover, which is,\n\nChannel 1: Yep.\n\nChannel 0: you know, not the worst thing in the world. The cover you've got, you could claim on anything, and the\n\nChannel 1: Yeah.\n\nChannel 0: increased cover, you just couldn't claim on Parkinson's for the increased amount. We did find a provider that was offering income protection and the licensed CPD,\n\nChannel 1: Yep.\n\nChannel 0: which was pretty good for your occupation at the time. So what I would actually be looking at is either a little bit of life and disability insurance top up if you wanted, like,\n\nChannel 1: Yep.\n\nChannel 0: another 200,000 or something like that\n\nChannel 1: Yeah.\n\nChannel 0: and possibly income protection if you were still wanting to look at that type of cover.\n\nChannel 1: Yeah. If that helps out. Is it income protection up front, or is that included?\n\nChannel 0: In terms of, like, the claim or the the prices? Or\n\nChannel 1: No. I love cheese.\n\nChannel 0: yeah. So you've got kind of like an annual premium that comes out of the super.\n\nChannel 1: Yep.\n\nChannel 0: And if we added on that policy, there'd be another annual premium that comes out\n\nChannel 1: Yep.\n\nChannel 0: funded through the super there. I would obviously make sure that we didn't put anything that was too expensive in place to drag the super back as of course.\n\nChannel 1: Yep.\n\nChannel 0: What we've got to kind of pick between is there's a huge range in the prices based on your waiting period and your benefit period.\n\nChannel 1: Yep.\n\nChannel 0: Now what that kind of excuse me. Sorry. Paul said to clear my throat.\n\nChannel 1: You're\n\nChannel 0: When\n\nChannel 1: right.\n\nChannel 0: it comes to the waiting period and the benefit period, you've got, like, a\n\nChannel 1: Yeah.\n\nChannel 0: standard waiting period of thirty days where you're out of work for a month, and here's the monthly income replacement. If you have a lot of leave and savings, you can kick that out sixty or ninety days, and that'll\n\nChannel 1: Yeah.\n\nChannel 0: get the premiums down. But then you've got a last kind of three months on the run.\n\nChannel 1: Yeah.\n\nChannel 0: Any thoughts there?\n\nChannel 1: Just leave it at the thirty days. Right?\n\nChannel 0: Yep.\n\nChannel 1: Or if or even yeah. That'll do. I've usually got four weeks of annual leave and sick pay up my sleeve anyway.\n\nChannel 0: Yep. And then that'll kick in after that.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now the next thing in terms of the benefit period, so let's say I was going full comprehensive. You would\n\nChannel 1: Yep.\n\nChannel 0: get a policy that pays you all the way up to the age of 65. So thirty\n\nChannel 1: Yep.\n\nChannel 0: days and 65. Below that, you can drop down to five years or two years to get the premium lower, and it covers you more for short to medium term.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards. So\n\nChannel 1: Yep.\n\nChannel 0: if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term. If something long term happens, there's your 700,000 of total disability pops out.\n\nChannel 1: Yep.\n\nChannel 0: How's that sound?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Cool. Last thing I'll say on it is when you first got through a policy, you're under, like, a white collar occupation, and\n\nChannel 1: Yep.\n\nChannel 0: they've got you currently listed as a store man for the new cover. So that's why\n\nChannel 1: Yep.\n\nChannel 0: I have to kind of shop around with somebody else.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So what I'll basically do is I'll put together some quotes. I'll tweak the investments inside the super, and then we'll get you back in with me to kind of run through the plan in writing if that's okay.\n\nChannel 1: Yes. Sounds good.\n\nChannel 0: Awesome, mate. Any questions on that so far?\n\nChannel 1: No. That's it.\n\nChannel 0: Fantastic. Alrighty. I've sent you off that annual review pack. It's\n\nChannel 1: Yep.\n\nChannel 0: got your performance, your certificate for the insurances, our service guides with our updated licensing details, and then just the hub twenty four consent form if you're still\n\nChannel 1: Yep.\n\nChannel 0: comfortable for us to remain advisers on your account.\n\nChannel 1: I'll just have to\n\nChannel 0: Just to\n\nChannel 1: sign\n\nChannel 0: let\n\nChannel 1: that\n\nChannel 0: you know\n\nChannel 1: when\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: well.\n\nChannel 1: get a fine.\n\nChannel 0: Yeah. So what I'll do is I'll resend it through to you just so it's fresh. And if you're comfortable with that, that'll come back to us. We still do charge the the 1.65% through the super, though. There\n\nChannel 1: Yep.\n\nChannel 0: is discounts now when you get above 200,000, so we'll get you there as quick as we can.\n\nChannel 1: Wait.\n\nChannel 0: Awesome. Hopefully, we've hit twenty four minutes. I've tried to keep it under half an hour, but do you have any other questions for me before I let you go?\n\nChannel 1: No. That's it. Alright. As long as the soup is performing in the way it's meant to be, I'm happy.\n\nChannel 0: Easy done, mate. You leave it with me. I'll put the new plan together, and I'll put you in a couple of weeks.\n\nChannel 1: Alright. Sounds good. Thank you very much.\n\nChannel 0: Thanks, mate. See you later.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Paul.","start":7.44,"end":8.48,"sentiment":"neutral","sentiment_score":0.31960172454516095},{"text":"It's Tommy here from OQ Financial, mate, senior adviser.","start":8.48,"end":11.12,"sentiment":"neutral","sentiment_score":0.21165801584720612},{"text":"How are you doing?","start":11.12,"end":11.94,"sentiment":"neutral","sentiment_score":0.18557491526007652}],"sentiment":"neutral","sentiment_score":0.22537668608129025,"channel":0,"num_words":16,"start":7.44,"end":11.94},{"sentences":[{"text":"Hello?","start":11.92,"end":12.0,"sentiment":"neutral","sentiment_score":0.15546923875808716},{"text":"Good.","start":12.0,"end":12.24,"sentiment":"positive","sentiment_score":0.5125470757484436},{"text":"Thanks.","start":12.24,"end":12.559999,"sentiment":"positive","sentiment_score":0.597564160823822},{"text":"Yourself?","start":12.559999,"end":13.059999,"sentiment":"positive","sentiment_score":0.4549117088317871}],"sentiment":"positive","sentiment_score":0.430123046040535,"channel":1,"num_words":4,"start":11.92,"end":13.059999},{"sentences":[{"text":"Thanks for living the dream.","start":13.5199995,"end":14.715,"sentiment":"positive","sentiment_score":0.7303589582443237},{"text":"Been a beautiful day.","start":14.715,"end":15.434999,"sentiment":"positive","sentiment_score":0.6949865370988846},{"text":"How about your end?","start":15.434999,"end":16.655,"sentiment":"neutral","sentiment_score":0.26999349147081375}],"sentiment":"positive","sentiment_score":0.5778242235000317,"channel":0,"num_words":13,"start":13.5199995,"end":16.655},{"sentences":[{"text":"Yeah.","start":17.175,"end":17.415,"sentiment":"neutral","sentiment_score":-0.2256777584552765},{"text":"I kinda complain.","start":17.415,"end":18.395,"sentiment":"negative","sentiment_score":-0.46865443388621014}],"sentiment":"negative","sentiment_score":-0.4079102650284767,"channel":1,"num_words":4,"start":17.175,"end":18.395},{"sentences":[{"text":"Good stuff.","start":19.755001,"end":20.235,"sentiment":"neutral","sentiment_score":0.11844632029533386},{"text":"Good stuff.","start":20.235,"end":21.055,"sentiment":"neutral","sentiment_score":0.29336459934711456},{"text":"Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for.","start":21.115,"end":29.310001,"sentiment":"neutral","sentiment_score":0.08917317527811974}],"sentiment":"neutral","sentiment_score":0.10214342911624247,"channel":0,"num_words":36,"start":19.755001,"end":29.310001},{"sentences":[{"text":"Yep.","start":29.17,"end":29.67,"sentiment":"neutral","sentiment_score":0.04585030674934387}],"sentiment":"neutral","sentiment_score":0.04585030674934387,"channel":1,"num_words":1,"start":29.17,"end":29.67},{"sentences":[{"text":"How long have I got you for today?","start":29.61,"end":31.39,"sentiment":"neutral","sentiment_score":0.026875872281379998}],"sentiment":"neutral","sentiment_score":0.026875872281379998,"channel":0,"num_words":8,"start":29.61,"end":31.39},{"sentences":[{"text":"Hopefully, about thirty minutes.","start":32.69,"end":35.11,"sentiment":"neutral","sentiment_score":0.06511561758816242}],"sentiment":"neutral","sentiment_score":0.06511561758816242,"channel":1,"num_words":4,"start":32.69,"end":35.11},{"sentences":[{"text":"Oh, I can be done much earlier than thirty minutes, my friend.","start":36.09,"end":38.91,"sentiment":"neutral","sentiment_score":0.11556919602056344}],"sentiment":"neutral","sentiment_score":0.11556919602056344,"channel":0,"num_words":12,"start":36.09,"end":38.91},{"sentences":[{"text":"No worries.","start":39.09,"end":39.83,"sentiment":"neutral","sentiment_score":0.120482187718153}],"sentiment":"neutral","sentiment_score":0.120482187718153,"channel":1,"num_words":2,"start":39.09,"end":39.83},{"sentences":[{"text":"Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email.","start":40.65,"end":48.165,"sentiment":"neutral","sentiment_score":0.11925825715065003}],"sentiment":"neutral","sentiment_score":0.11925825715065003,"channel":0,"num_words":25,"start":40.65,"end":48.165},{"sentences":[{"text":"Yep.","start":48.455,"end":48.955,"sentiment":"neutral","sentiment_score":0.08329468965530396}],"sentiment":"neutral","sentiment_score":0.08329468965530396,"channel":1,"num_words":1,"start":48.455,"end":48.955},{"sentences":[{"text":"I just need to confirm your date of birth and address that we would have on file.","start":49.185,"end":53.445,"sentiment":"neutral","sentiment_score":0.05513679017038906}],"sentiment":"neutral","sentiment_score":0.05513679017038906,"channel":0,"num_words":17,"start":49.185,"end":53.445},{"sentences":[{"text":"05/21/1985,","start":55.175,"end":59.179996,"sentiment":"neutral","sentiment_score":0.0263937059789896}],"sentiment":"neutral","sentiment_score":0.0263937059789896,"channel":1,"num_words":1,"start":55.175,"end":59.179996},{"sentences":[{"text":"Yep.","start":60.3,"end":60.8,"sentiment":"neutral","sentiment_score":0.03571750596165657}],"sentiment":"neutral","sentiment_score":0.03571750596165657,"channel":0,"num_words":1,"start":60.3,"end":60.8},{"sentences":[{"text":"and, hopefully, it's 15 Valley Crescent, Palm View.","start":60.359997,"end":66.22,"sentiment":"neutral","sentiment_score":0.04080384224653244}],"sentiment":"neutral","sentiment_score":0.04080384224653244,"channel":1,"num_words":8,"start":60.359997,"end":66.22},{"sentences":[{"text":"Yeah.","start":66.86,"end":67.18,"sentiment":"neutral","sentiment_score":0.07815618813037872},{"text":"That's the one we've got all that updated.","start":67.18,"end":68.86,"sentiment":"neutral","sentiment_score":0.1610668208450079},{"text":"Thank you for that.","start":68.86,"end":69.92,"sentiment":"positive","sentiment_score":0.4361709654331207},{"text":"And I'm registered with adviser 1273105.","start":70.22,"end":74.755,"sentiment":"neutral","sentiment_score":0.10175584256649017},{"text":"Are you okay for the call to be recorded?","start":74.755,"end":76.535,"sentiment":"neutral","sentiment_score":0.07008177248968019}],"sentiment":"neutral","sentiment_score":0.1554516294438924,"channel":0,"num_words":28,"start":66.86,"end":76.535},{"sentences":[{"text":"Yeah.","start":77.174995,"end":77.674995,"sentiment":"neutral","sentiment_score":0.08622917532920837}],"sentiment":"neutral","sentiment_score":0.08622917532920837,"channel":1,"num_words":1,"start":77.174995,"end":77.674995},{"sentences":[{"text":"Cool.","start":78.435,"end":78.935,"sentiment":"neutral","sentiment_score":0.15898796916007996},{"text":"Paul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight.","start":79.715,"end":84.995,"sentiment":"neutral","sentiment_score":0.13960465575967515},{"text":"Is that still correct?","start":84.995,"end":86.055,"sentiment":"neutral","sentiment_score":0.09246486239135265}],"sentiment":"neutral","sentiment_score":0.13070066312426015,"channel":0,"num_words":19,"start":78.435,"end":86.055},{"sentences":[{"text":"Yep.","start":86.32,"end":86.82,"sentiment":"neutral","sentiment_score":0.17316345870494845}],"sentiment":"neutral","sentiment_score":0.17316345870494845,"channel":1,"num_words":1,"start":86.32,"end":86.82},{"sentences":[{"text":"Beautiful.","start":87.555,"end":88.055,"sentiment":"positive","sentiment_score":0.389579713344574},{"text":"Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super","start":88.46,"end":101.119995,"sentiment":"neutral","sentiment_score":0.03738824076749183}],"sentiment":"neutral","sentiment_score":0.04665643741425715,"channel":0,"num_words":38,"start":87.555,"end":101.119995},{"sentences":[{"text":"Yes.","start":101.715004,"end":102.215004,"sentiment":"neutral","sentiment_score":0.05372631549835205}],"sentiment":"neutral","sentiment_score":0.05372631549835205,"channel":1,"num_words":1,"start":101.715004,"end":102.215004},{"sentences":[{"text":"and just sort of what's been going on in the market, a few ideas to run by you.","start":101.9,"end":106.345,"sentiment":"neutral","sentiment_score":0.05048307838539282},{"text":"Is there","start":106.485,"end":107.045,"sentiment":"neutral","sentiment_score":0.02875959686934948}],"sentiment":"neutral","sentiment_score":0.04831073023378849,"channel":0,"num_words":20,"start":101.9,"end":107.045},{"sentences":[{"text":"Yep.","start":106.915,"end":107.415,"sentiment":"neutral","sentiment_score":0.03261123225092888}],"sentiment":"neutral","sentiment_score":0.03261123225092888,"channel":1,"num_words":1,"start":106.915,"end":107.415},{"sentences":[{"text":"anything else in particular that you want me to focus on today?","start":107.045,"end":110.505005,"sentiment":"neutral","sentiment_score":0.01999391196295619}],"sentiment":"neutral","sentiment_score":0.01999391196295619,"channel":0,"num_words":12,"start":107.045,"end":110.505005},{"sentences":[{"text":"Not really.","start":112.299995,"end":113.2,"sentiment":"neutral","sentiment_score":-0.1772921457886696}],"sentiment":"neutral","sentiment_score":-0.1772921457886696,"channel":1,"num_words":2,"start":112.299995,"end":113.2},{"sentences":[{"text":"Perfect.","start":114.965004,"end":115.465004,"sentiment":"neutral","sentiment_score":0.030749939382076263},{"text":"Before I jump into those areas, are you okay for me to just update a few details that we have on file?","start":116.805,"end":121.99,"sentiment":"neutral","sentiment_score":0.003294369967823679},{"text":"No worries at all.","start":126.85,"end":128.12999,"sentiment":"neutral","sentiment_score":0.03687063045799732},{"text":"So I'm just having a quick look because we've got a new system here kind of custom built for us.","start":128.12999,"end":133.16501,"sentiment":"neutral","sentiment_score":0.14344485104084015},{"text":"It's really","start":133.16501,"end":133.645,"sentiment":"neutral","sentiment_score":0.08534642681479454}],"sentiment":"neutral","sentiment_score":0.06714894846841997,"channel":0,"num_words":49,"start":114.965004,"end":133.645},{"sentences":[{"text":"Yeah.","start":133.44499,"end":133.94499,"sentiment":"neutral","sentiment_score":0.007356367539614439}],"sentiment":"neutral","sentiment_score":0.007356367539614439,"channel":1,"num_words":1,"start":133.44499,"end":133.94499},{"sentences":[{"text":"good, but I just need to make sure all this is current.","start":133.645,"end":136.30501,"sentiment":"neutral","sentiment_score":0.006742722975711028},{"text":"For the address that you gave me before, we did have a PO box also listed.","start":137.325,"end":143.04,"sentiment":"neutral","sentiment_score":-0.014152656774967909},{"text":"I'm just","start":143.36,"end":143.84,"sentiment":"neutral","sentiment_score":-0.020967391319572926}],"sentiment":"neutral","sentiment_score":-0.0062488205110033355,"channel":0,"num_words":30,"start":133.645,"end":143.84},{"sentences":[{"text":"No.","start":143.82,"end":144.32,"sentiment":"neutral","sentiment_score":-0.05451576039195061}],"sentiment":"neutral","sentiment_score":-0.05451576039195061,"channel":1,"num_words":1,"start":143.82,"end":144.32},{"sentences":[{"text":"wondering if you're still using","start":143.84,"end":145.12,"sentiment":"neutral","sentiment_score":-0.042042502015829084}],"sentiment":"neutral","sentiment_score":-0.042042502015829084,"channel":0,"num_words":5,"start":143.84,"end":145.12},{"sentences":[{"text":"That's","start":144.80667,"end":145.30667,"sentiment":"neutral","sentiment_score":-0.06015285477042198}],"sentiment":"neutral","sentiment_score":-0.06015285477042198,"channel":1,"num_words":1,"start":144.80667,"end":145.30667},{"sentences":[{"text":"that for postage.","start":145.12,"end":146.01999,"sentiment":"neutral","sentiment_score":-0.07188527286052704}],"sentiment":"neutral","sentiment_score":-0.07188527286052704,"channel":0,"num_words":3,"start":145.12,"end":146.01999},{"sentences":[{"text":"no.","start":146.78,"end":147.18001,"sentiment":"neutral","sentiment_score":-0.15580905973911283},{"text":"I got rid of that one.","start":147.18001,"end":148.56,"sentiment":"neutral","sentiment_score":-0.11056243131558101}],"sentiment":"neutral","sentiment_score":-0.11702623537608556,"channel":1,"num_words":7,"start":146.78,"end":148.56},{"sentences":[{"text":"Perfect.","start":149.92,"end":150.42,"sentiment":"positive","sentiment_score":0.3569364547729492},{"text":"I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well.","start":150.56,"end":160.115,"sentiment":"neutral","sentiment_score":0.15595831498503684},{"text":"I'm just making sure that the PO 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correct?","start":191.99501,"end":192.735,"sentiment":"neutral","sentiment_score":0.05582224577665329}],"sentiment":"neutral","sentiment_score":0.05090037160194837,"channel":0,"num_words":26,"start":182.20001,"end":192.735},{"sentences":[{"text":"Yep.","start":193.11499,"end":193.61499,"sentiment":"neutral","sentiment_score":0.06971880048513412}],"sentiment":"neutral","sentiment_score":0.06971880048513412,"channel":1,"num_words":1,"start":193.11499,"end":193.61499},{"sentences":[{"text":"Beautiful.","start":194.71501,"end":195.21501,"sentiment":"neutral","sentiment_score":0.22353826463222504},{"text":"They're all still on the eighteenth at the moment, still counted as","start":195.91501,"end":198.57501,"sentiment":"neutral","sentiment_score":0.06764502885440986}],"sentiment":"neutral","sentiment_score":0.0796368162219341,"channel":0,"num_words":13,"start":194.71501,"end":198.57501},{"sentences":[{"text":"Yeah.","start":199.89,"end":200.39,"sentiment":"neutral","sentiment_score":0.009427119977772236}],"sentiment":"neutral","sentiment_score":0.009427119977772236,"channel":1,"num_words":1,"start":199.89,"end":200.39},{"sentences":[{"text":"dependent.","start":200.84001,"end":201.34001,"sentiment":"neutral","sentiment_score":0.011869887821376324},{"text":"Yes, please.","start":201.48001,"end":202.46,"sentiment":"neutral","sentiment_score":0.0288959089666605},{"text":"As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future.","start":202.84001,"end":212.3,"sentiment":"neutral","sentiment_score":0.0002724974251845304},{"text":"I do have a home and mortgage listed.","start":212.44,"end":214.705,"sentiment":"neutral","sentiment_score":0.03371667885221541},{"text":"Just wondering kind of where you're at with regards to the property goal.","start":215.00499,"end":218.625,"sentiment":"neutral","sentiment_score":0.02571642814347377}],"sentiment":"neutral","sentiment_score":0.011775407153342304,"channel":0,"num_words":58,"start":200.84001,"end":218.625},{"sentences":[{"text":"Well, we moved into our man, it's been a while since we updated property three years ago.","start":219.485,"end":228.94,"sentiment":"neutral","sentiment_score":-0.015388879267608417}],"sentiment":"neutral","sentiment_score":-0.015388879267608417,"channel":1,"num_words":17,"start":219.485,"end":228.94},{"sentences":[{"text":"Perfect.","start":230.87999,"end":231.37999,"sentiment":"neutral","sentiment_score":0.11411415040493011},{"text":"And did you require any investment properties, or is it still just paying off this mortgage at the moment?","start":231.59999,"end":236.18,"sentiment":"neutral","sentiment_score":-0.031386640118925196}],"sentiment":"neutral","sentiment_score":-0.02411160059273243,"channel":0,"num_words":20,"start":230.87999,"end":236.18},{"sentences":[{"text":"I'm just paying off a mortgage.","start":235.72,"end":237.42,"sentiment":"neutral","sentiment_score":-0.2686307008067767},{"text":"We're trying to giving up on the investment at the moment.","start":237.685,"end":242.105,"sentiment":"neutral","sentiment_score":-0.33112516728314484},{"text":"We just can't afford it.","start":242.485,"end":244.345,"sentiment":"negative","sentiment_score":-0.3359671294689178}],"sentiment":"neutral","sentiment_score":-0.31518166783181106,"channel":1,"num_words":22,"start":235.72,"end":244.345},{"sentences":[{"text":"Yep.","start":246.415,"end":246.575,"sentiment":"neutral","sentiment_score":-0.051780276000499725},{"text":"No.","start":246.575,"end":246.815,"sentiment":"neutral","sentiment_score":-0.16149064898490906},{"text":"That's fair enough.","start":246.815,"end":247.53499,"sentiment":"neutral","sentiment_score":-0.13089958081642786},{"text":"I I hear the same sentiment echo pretty much everywhere these days.","start":247.53499,"end":251.555,"sentiment":"neutral","sentiment_score":-0.11055298025409381}],"sentiment":"neutral","sentiment_score":-0.11368267238140106,"channel":0,"num_words":17,"start":246.415,"end":251.555},{"sentences":[{"text":"Yeah.","start":252.485,"end":252.985,"sentiment":"neutral","sentiment_score":-0.00739261694252491}],"sentiment":"neutral","sentiment_score":-0.00739261694252491,"channel":1,"num_words":1,"start":252.485,"end":252.985},{"sentences":[{"text":"I'm gonna do a quick online evaluation update.","start":253.055,"end":256.73,"sentiment":"neutral","sentiment_score":0.02680805348791182},{"text":"Just wondering how the mortgage is sitting at the moment.","start":257.11002,"end":259.67,"sentiment":"neutral","sentiment_score":-0.01550675705075264},{"text":"We last had it at $5.28.","start":259.67,"end":262.25,"sentiment":"neutral","sentiment_score":-0.009791117006291946}],"sentiment":"neutral","sentiment_score":0.000027089806584020455,"channel":0,"num_words":24,"start":253.055,"end":262.25},{"sentences":[{"text":"$5.28.","start":262.87,"end":264.09,"sentiment":"neutral","sentiment_score":0.0016196100041270256},{"text":"I've got it at $5.21.5 at the moment.","start":265.51,"end":270.315,"sentiment":"neutral","sentiment_score":0.001580641372129321}],"sentiment":"neutral","sentiment_score":0.0015849712201290661,"channel":1,"num_words":9,"start":262.87,"end":270.315},{"sentences":[{"text":"$5.21.5.","start":271.69498,"end":273.13498,"sentiment":"neutral","sentiment_score":0.02482784539461136},{"text":"Beautiful.","start":273.13498,"end":273.63498,"sentiment":"neutral","sentiment_score":0.2641056776046753},{"text":"And how much do you reckon you would you have to balance 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35.","start":319.31998,"end":321.34,"sentiment":"neutral","sentiment_score":0.01664187991991639}],"sentiment":"neutral","sentiment_score":0.01664187991991639,"channel":1,"num_words":2,"start":319.31998,"end":321.34},{"sentences":[{"text":"Perfect.","start":323.31998,"end":323.745,"sentiment":"neutral","sentiment_score":0.2851558029651642},{"text":"Perfect.","start":324.225,"end":324.725,"sentiment":"neutral","sentiment_score":0.31328076124191284},{"text":"That one's done.","start":325.185,"end":326.165,"sentiment":"neutral","sentiment_score":0.17875600854555765},{"text":"Any other loans or liabilities floating around?","start":326.385,"end":329.585,"sentiment":"neutral","sentiment_score":0.013638289512268134},{"text":"Credit card, personal 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terms of the benefit period, so let's say I was going full comprehensive.","start":1324.2,"end":1333.02,"sentiment":"neutral","sentiment_score":0.169766989019182},{"text":"You would","start":1333.72,"end":1334.04,"sentiment":"neutral","sentiment_score":0.1099480539560318}],"sentiment":"neutral","sentiment_score":0.18195660483269466,"channel":0,"num_words":21,"start":1323.48,"end":1334.04},{"sentences":[{"text":"Yep.","start":1333.905,"end":1334.405,"sentiment":"neutral","sentiment_score":0.14419303834438324}],"sentiment":"neutral","sentiment_score":0.14419303834438324,"channel":1,"num_words":1,"start":1333.905,"end":1334.405},{"sentences":[{"text":"get a policy that pays you all the way up to the age of 65.","start":1334.04,"end":1337.74,"sentiment":"neutral","sentiment_score":0.13866615841786067},{"text":"So 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term.","start":1341.455,"end":1349.155,"sentiment":"neutral","sentiment_score":0.14070367785515608}],"sentiment":"neutral","sentiment_score":0.13503326798478762,"channel":0,"num_words":30,"start":1338.735,"end":1349.155},{"sentences":[{"text":"Yeah.","start":1349.755,"end":1350.235,"sentiment":"positive","sentiment_score":0.3684457540512085},{"text":"Sounds good.","start":1350.235,"end":1351.055,"sentiment":"positive","sentiment_score":0.343588512390852}],"sentiment":"positive","sentiment_score":0.3518742596109708,"channel":1,"num_words":3,"start":1349.755,"end":1351.055},{"sentences":[{"text":"Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards.","start":1352.655,"end":1362.09,"sentiment":"neutral","sentiment_score":0.014105608476506125},{"text":"So","start":1362.63,"end":1363.11,"sentiment":"neutral","sentiment_score":0.08451695740222931}],"sentiment":"neutral","sentiment_score":0.016305963130434975,"channel":0,"num_words":32,"start":1352.655,"end":1363.11},{"sentences":[{"text":"Yep.","start":1362.635,"end":1363.135,"sentiment":"neutral","sentiment_score":0.12226732820272446}],"sentiment":"neutral","sentiment_score":0.12226732820272446,"channel":1,"num_words":1,"start":1362.635,"end":1363.135},{"sentences":[{"text":"if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term.","start":1363.11,"end":1369.565,"sentiment":"neutral","sentiment_score":0.11184406692960433},{"text":"If something long term happens, there's your 700,000 of total disability pops out.","start":1369.705,"end":1374.585,"sentiment":"neutral","sentiment_score":0.027524215240891162}],"sentiment":"neutral","sentiment_score":0.08510850419903673,"channel":0,"num_words":41,"start":1363.11,"end":1374.585},{"sentences":[{"text":"Yep.","start":1374.35,"end":1374.85,"sentiment":"neutral","sentiment_score":0.09493261575698853}],"sentiment":"neutral","sentiment_score":0.09493261575698853,"channel":1,"num_words":1,"start":1374.35,"end":1374.85},{"sentences":[{"text":"How's that sound?","start":1374.585,"end":1375.485,"sentiment":"neutral","sentiment_score":0.13314739366372427}],"sentiment":"neutral","sentiment_score":0.13314739366372427,"channel":0,"num_words":3,"start":1374.585,"end":1375.485},{"sentences":[{"text":"Yep.","start":1375.63,"end":1376.13,"sentiment":"neutral","sentiment_score":0.2155324220657349},{"text":"Sounds 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store man for the new cover.","start":1386.16,"end":1389.76,"sentiment":"neutral","sentiment_score":-0.03411554545164108},{"text":"So that's why","start":1389.76,"end":1390.4,"sentiment":"neutral","sentiment_score":-0.0308598851164182}],"sentiment":"neutral","sentiment_score":-0.03350510913878679,"channel":0,"num_words":16,"start":1386.16,"end":1390.4},{"sentences":[{"text":"Yep.","start":1390.275,"end":1390.775,"sentiment":"neutral","sentiment_score":-0.07696487009525299}],"sentiment":"neutral","sentiment_score":-0.07696487009525299,"channel":1,"num_words":1,"start":1390.275,"end":1390.775},{"sentences":[{"text":"I have to kind of shop around with somebody 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okay.","start":1399.3601,"end":1406.0751,"sentiment":"neutral","sentiment_score":0.13774732101176465}],"sentiment":"neutral","sentiment_score":0.13862117659300566,"channel":0,"num_words":40,"start":1395.4401,"end":1406.0751},{"sentences":[{"text":"Yes.","start":1406.495,"end":1406.735,"sentiment":"neutral","sentiment_score":0.19081953167915344},{"text":"Sounds good.","start":1406.735,"end":1407.555,"sentiment":"positive","sentiment_score":0.40030089020729065}],"sentiment":"neutral","sentiment_score":0.33047377069791156,"channel":1,"num_words":3,"start":1406.495,"end":1407.555},{"sentences":[{"text":"Awesome, mate.","start":1408.935,"end":1409.495,"sentiment":"positive","sentiment_score":0.5025071948766708},{"text":"Any questions on that so 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still","start":1419.51,"end":1431.0249,"sentiment":"neutral","sentiment_score":0.14473609014281205}],"sentiment":"neutral","sentiment_score":0.14473609014281205,"channel":0,"num_words":28,"start":1419.51,"end":1431.0249},{"sentences":[{"text":"Yep.","start":1430.9401,"end":1431.4401,"sentiment":"neutral","sentiment_score":0.08868518471717834}],"sentiment":"neutral","sentiment_score":0.08868518471717834,"channel":1,"num_words":1,"start":1430.9401,"end":1431.4401},{"sentences":[{"text":"comfortable for us to remain advisers on your account.","start":1431.0249,"end":1434.1649,"sentiment":"neutral","sentiment_score":0.09200569200846884}],"sentiment":"neutral","sentiment_score":0.09200569200846884,"channel":0,"num_words":9,"start":1431.0249,"end":1434.1649},{"sentences":[{"text":"I'll just have 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a fine.","start":1439.8651,"end":1441.0851,"sentiment":"neutral","sentiment_score":0.10812359303236008}],"sentiment":"neutral","sentiment_score":0.10812359303236008,"channel":1,"num_words":3,"start":1439.8651,"end":1441.0851},{"sentences":[{"text":"Yeah.","start":1442.7849,"end":1443.15,"sentiment":"neutral","sentiment_score":0.08273966610431671},{"text":"So what I'll do is I'll resend it through to you just so it's fresh.","start":1443.23,"end":1446.77,"sentiment":"neutral","sentiment_score":0.0983148897687594},{"text":"And if you're comfortable with that, that'll come back to us.","start":1446.91,"end":1450.53,"sentiment":"neutral","sentiment_score":0.0809090059589256},{"text":"We still do charge the the 1.65% through the super, 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representative from OQ Financial, named Tommy, calls Paul to discuss his annual review and goals for updating his property. They discuss retirement savings and retirement plans, including growth portfolios and investment options. The speaker provides details on Paul's mortgage and income, including his car and home, and discusses options for replacing a Yep. replacement with a low or higher fees and a different replacement. They also discuss the importance of capital growth and the need for a consistent return on investment. The agent suggests a new hybrid term deposit and recommends a life and disability insurance policy. They also discuss the process of replacing a Yep. replacement with a different cover and suggest a performance certificate and hub twenty four consent form. The customer is advised to sign the documents and the agent will resend them."},"intents":{"segments":[{"text":"Are you okay for the call to be recorded? Yeah. Cool.","start_word":172,"end_word":182,"intents":[{"intent":"Confirm call recording","confidence_score":0.0009829978}]},{"text":"good, but I just need to make sure all this is current. For the address that you gave me before, we did have a PO box also listed. I'm just No. wondering if you're still using That's that for postage.","start_word":327,"end_word":366,"intents":[{"intent":"Check debt status","confidence_score":0.023427386}]},{"text":"For the address that you gave me before, we did have a PO box also listed. I'm just No.","start_word":338,"end_word":356,"intents":[{"intent":"Update address","confidence_score":0.5537434}]},{"text":"And how much do you reckon you would you have to balance for?","start_word":655,"end_word":667,"intents":[{"intent":"Check balance","confidence_score":0.04254865}]},{"text":"Last couple of financial details. We've got a car there, which I believe you had a a loan on at the time.","start_word":699,"end_word":720,"intents":[{"intent":"Compare finances and income","confidence_score":0.00001797627}]},{"text":"We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, Yes.","start_word":1048,"end_word":1080,"intents":[{"intent":"Retire","confidence_score":0.0870389}]},{"text":"We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, Yes. have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right? Yes.","start_word":1048,"end_word":1111,"intents":[{"intent":"Discuss super assets","confidence_score":0.0011710348}]},{"text":"have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right? Yes.","start_word":1081,"end_word":1111,"intents":[{"intent":"Discuss portfolio investment","confidence_score":0.00072084664}]},{"text":"And I'm having a look at the the super at the moment. We basically had you as, like, a a growth risk profile. So 80% in, like, shares, property, gold. You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%. Does that ring a bell? No.","start_word":1114,"end_word":1167,"intents":[{"intent":"Discuss growth risk profile","confidence_score":0.4019728}]},{"text":"Now in terms of volatility, I'll give you a bit of an idea in dollar terms. So when your account had a a market drop in March, it's actually dropped twice this year. Still in the positive Yep.","start_word":1277,"end_word":1314,"intents":[{"intent":"Analyze volatility","confidence_score":0.029741747}]},{"text":"So I just wanna kind of get ahead of it and switch it out for a different one. Yes. Yeah.","start_word":1620,"end_word":1639,"intents":[{"intent":"Change investment options","confidence_score":0.000089285844}]},{"text":"Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from.","start_word":1753,"end_word":1792,"intents":[{"intent":"Discuss options","confidence_score":0.030333618}]},{"text":"So I'll do, like, an updated plan for you where we just do the comparison. This is what we wanna switch out. This is what it does, the fees and the performance in the Yep. projection.","start_word":1999,"end_word":2034,"intents":[{"intent":"Examine plans","confidence_score":0.0003161203}]},{"text":"So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil, Yeah.","start_word":2651,"end_word":2668,"intents":[{"intent":"Provide insurance","confidence_score":0.022608617}]},{"text":"Now the thing to think about is we can't just increase the cover through Zurich. Because what happens is they go through underwriting, and they go, Yep. okay.","start_word":2784,"end_word":2811,"intents":[{"intent":"Maximize coverage","confidence_score":0.0015680237}]},{"text":"Check your health history, all that kind of thing.","start_word":2812,"end_word":2820,"intents":[{"intent":"Ensure health and well-being","confidence_score":0.0000013465074}]},{"text":"We did find a provider that was offering income protection and the licensed CPD, Yep. which was pretty good for your occupation at the time.","start_word":2905,"end_word":2929,"intents":[{"intent":"Locate provider","confidence_score":0.00047055876}]},{"text":"and possibly income protection if you were still wanting to look at that type of cover. Yeah.","start_word":2963,"end_word":2979,"intents":[{"intent":"Analyze insurance coverage options","confidence_score":0.003116198}]},{"text":"Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards. So Yep.","start_word":3305,"end_word":3337,"intents":[{"intent":"Check contributions","confidence_score":0.26491702}]},{"text":"We still do charge the the 1.65% through the super, though. There Yep. is discounts now when you get above 200,000, so we'll get you there as quick as we can. Wait.","start_word":3586,"end_word":3617,"intents":[{"intent":"Provide cost discounts","confidence_score":0.000013343944}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Paul. It's Tommy here from OQ Financial, mate, senior adviser. How are you doing? Hello?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.2258160412311554},{"text":"Good. Thanks. Yourself? Thanks for living the dream. Been a beautiful day.","start_word":17,"end_word":28,"sentiment":"positive","sentiment_score":0.6415757536888123},{"text":"How about your end? Yeah.","start_word":29,"end_word":33,"sentiment":"neutral","sentiment_score":0.14095258712768555},{"text":"I kinda complain.","start_word":34,"end_word":36,"sentiment":"negative","sentiment_score":-0.4664614200592041},{"text":"Good stuff. Good stuff. Mate, I had you booked in for a bit of a catch up to go through a bit of, like, a combined review and a few things that you'd previously asked for. Yep. How long have I got you for today? Hopefully, about thirty minutes. Oh, I can be done much earlier than thirty minutes, my friend. No worries. Now what I'll do is I'll pass you through a quick security check, and I'll send a bit of a pack off to your email. Yep. I just need to confirm your date of birth and address that we would have on file. 05/21/1985, Yep. and, hopefully, it's 15 Valley Crescent, Palm View. Yeah. That's the one we've got all that updated.","start_word":37,"end_word":161,"sentiment":"neutral","sentiment_score":0.09167361259460448},{"text":"Thank you for that.","start_word":162,"end_word":165,"sentiment":"positive","sentiment_score":0.423170804977417},{"text":"And I'm registered with adviser 1273105. Are you okay for the call to be recorded? Yeah. Cool. Paul, I've sent out your annual review pack to your Hotmail, Joseph seventy eight. Is that still correct? Yep.","start_word":166,"end_word":201,"sentiment":"neutral","sentiment_score":0.11247917264699936},{"text":"Beautiful.","start_word":202,"end_word":202,"sentiment":"positive","sentiment_score":0.389579713344574},{"text":"Now there was a few things that you'd asked one of my colleagues quite a while ago about possibly topping up some insurances, and there was a few things I wanted to run through regarding the super Yes. and just sort of what's been going on in the market, a few ideas to run by you. Is there Yep. anything else in particular that you want me to focus on today? Not really. Perfect. Before I jump into those areas, are you okay for me to just update a few details that we have on file? No worries at all. So I'm just having a quick look because we've got a new system here kind of custom built for us. It's really Yeah. good, but I just need to make sure all this is current. For the address that you gave me before, we did have a PO box also listed. I'm just No. wondering if you're still using That's that for postage. no. I got rid of that one.","start_word":203,"end_word":372,"sentiment":"neutral","sentiment_score":0.024767861887812617},{"text":"Perfect.","start_word":373,"end_word":373,"sentiment":"positive","sentiment_score":0.3569364547729492},{"text":"I'm just gonna have a quick look at the super because I've got the new address updated on our file, and the address in the super is there as well. I'm just making sure that the PO box isn't on there anymore. Perfect. What feeling it I believe my my admin, Michelle, I think she'd already updated it for you because that was quite an old serious. PO box. Sweet. Alrighty. Outside of that, we've got you just as far as relationship and family go, we've got your partner Elizabeth and three children. Is that correct? Yep. Beautiful. They're all still on the eighteenth at the moment, still counted as Yeah. dependent. Yes, please. As far as the goals go, so this might be needing a little bit of updating, but you were building a house at the time and then possibly looking investment properties in the future. I do have a home and mortgage listed. Just wondering kind of where you're at with regards to the property goal. Well, we moved into our man, it's been a while since we updated property three years ago. Perfect. And did you require any investment properties, or is it still just paying off this mortgage at the moment? I'm just paying off a mortgage. We're trying to giving up on the investment at the moment.","start_word":374,"end_word":596,"sentiment":"neutral","sentiment_score":0.003235822077840566},{"text":"We just can't afford it.","start_word":597,"end_word":601,"sentiment":"negative","sentiment_score":-0.3434396982192993},{"text":"Yep. No. That's fair enough. I I hear the same sentiment echo pretty much everywhere these days. Yeah. I'm gonna do a quick online evaluation update. Just wondering how the mortgage is sitting at the moment. We last had it at $5.28. $5.28. I've got it at $5.21.5 at the moment. $5.21.5. Beautiful. And how much do you reckon you would you have to balance for? About $990.12. No one a bit.","start_word":602,"end_word":673,"sentiment":"neutral","sentiment_score":-0.026622657974561054},{"text":"Cool.","start_word":674,"end_word":674,"sentiment":"positive","sentiment_score":0.35119035840034485},{"text":"I'll go to service with that one. I think they had $9.50. I'll just bump it up to $9.90. Is that okay? Yeah.","start_word":675,"end_word":697,"sentiment":"neutral","sentiment_score":0.16727155447006226},{"text":"Perfect.","start_word":698,"end_word":698,"sentiment":"positive","sentiment_score":0.5349735021591187},{"text":"Last couple of financial details. We've got a car there, which I believe you had a a loan on at the time. Yep. Still only about 20,000 on the car. No. I've had that one written off. So it's now 30,000. And 30,000. And is the resale value of the vehicle running about the same? About 35. Perfect. Perfect. That one's done. Any other loans or liabilities floating around? Credit card, personal loan? I've only got the ZipPay. It's got nothing owing on it. I think that's about Dormant. it.","start_word":699,"end_word":788,"sentiment":"neutral","sentiment_score":0.015169869177043438},{"text":"Beautiful.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.44288814067840576},{"text":"I was having a look at the contributions through the super, and I can see you're still with North Coast Smallgoods. Correct? Yep. Yep. We had you there as a Yep. on based on the contributions, I'm guessing your income's a little over 60,000 at the moment. So is it about what? Sorry. Over 60,000 is what I'm estimating for the income. Yeah. I'm paying what is it? I get 36 well, 1,300 a week after tax, roughly. Perfect. 1,300 a week.","start_word":790,"end_word":871,"sentiment":"neutral","sentiment_score":0.034899789839982986},{"text":"Thanks. Thank you.","start_word":872,"end_word":874,"sentiment":"positive","sentiment_score":0.4089734256267547},{"text":"Just in terms of the cash flow there, based on I know the prices of petrol and everything going up and down and mortgage rates and everything. But are you managing to set aside a certain amount into savings each week, or how does No. the budgeting go? No. Not able to save at the moment. No. Not many people can. Probably out of every 20 people I talk to, maybe two people have a business that they have set aside at the moment. Yes. Outside of that, so what would be, like, the main focus for you guys at the moment? Obviously, just trying Yeah. to handle the mortgage and and day to day expenses. You put a pause on the property ideas at the moment. Anything else that you're doing? Renovations or anything, Holiday? No. I'm just putting in a shed at the moment, and I yeah. That's it. Just doing minor things around the house. Yes. Alright. Few things here and there. And a shirt.","start_word":875,"end_word":1042,"sentiment":"neutral","sentiment_score":-0.0550605407250779},{"text":"That sounds great.","start_word":1043,"end_word":1045,"sentiment":"positive","sentiment_score":0.7117076516151428},{"text":"And alright. We had you wanting to kind of retire kind of 867, like, you know, build up super for as much as you can for a good, you know, twenty, twenty seven years, Yes. have the mortgage paid off, maybe a property under the belt in about a thousand dollars a week coming out after tax in today's dollars. Does that sound about right? Yes. Yes. Okay. And I'm having a look at the the super at the moment. We basically had you as, like, a a growth risk profile. So 80% in, like, shares, property, gold. You didn't wanna go to anything high risk, like a, you know, high growth, 90 to a 100%. Does that ring a bell? No. Not really. Like, as much as I can make money, but not risk too much. Gotcha. Gotcha. So the way it would kind of work, I'll give you an example with your account. Because you're sitting in growth, it can be considered a bit above medium risk because it is primarily focused on, you know, capital growth long term. Yeah. You obviously don't wanna be sitting in either a growth or high growth risk profile if you're, like, 65 years old. Because, you know, Yeah. once you've built up a million dollars, probably don't wanna lose half of it a day before you retire, if that makes sense. Yeah. Now in terms of volatility, I'll give you a bit of an idea in dollar terms. So when your account had a a market drop in March, it's actually dropped twice this year. Still in the positive Yep. for the year, but when the Iran war kicked off, it went from 97,000 down to Yep. 90, and now it's bounced back up to $10.02. So that's kind of how it goes in the growth is it can drop that, you know, five, Sweet. 15%, but then Yep. it can grow 10, Right. fifteen, twenty. Yeah. What tends to happen is, like, if every seven years, the market tends to grow for, like, five or six, and then it crashes then it grows, then it crashes. There's always a COVID or a GSE or something. Yeah. Right? Yeah. So what you're basically aiming for is, like, a nice, consistent average return of, say, above 9% would be Yeah.","start_word":1046,"end_word":1433,"sentiment":"neutral","sentiment_score":0.006507526194741565},{"text":"ideal.","start_word":1434,"end_word":1434,"sentiment":"positive","sentiment_score":0.4202318787574768},{"text":"Now just having a look at a full breakdown of yours, we've got you in growth portfolio. It's grown roundabout 42% over the last, give or take, four years. So you've just cleared just under 11% per annum after fees. It's a little bit lower this year. It's only gone up about $6.5 from the growth and then contributions on top. Yes. Around Yep. the I guess that's a good thing. around the industry. People kind of lagging behind at 6%, and they just Yeah. really need to play catch up. So while that's good, I do wanna make a couple of updates if this is okay. Yeah. Whatever. Now I'm probably not gonna push you into, like, a high risk or anything, but all Yep. I'm saying is that because you've got these eight options, you know, and one of them is in gold, one of them is in shares, one is in property, there's one here. It's called a bank hybrid term deposit. Basically, that type of term deposit is gonna be phased out by the government in a couple of years' time. So I just wanna kind of get ahead of it and switch it out for a different one. Yes. Yeah.","start_word":1435,"end_word":1639,"sentiment":"neutral","sentiment_score":0.06459949910640717},{"text":"I'm good.","start_word":1640,"end_word":1641,"sentiment":"positive","sentiment_score":0.51961350440979},{"text":"And there is one out of the eight that's been underperforming.","start_word":1642,"end_word":1652,"sentiment":"negative","sentiment_score":-0.35523658990859985},{"text":"Some Australian shares with Benelon. Normally, I would say, look, if one option goes down, it's not the end of the world.","start_word":1653,"end_word":1674,"sentiment":"neutral","sentiment_score":-0.20401474833488464},{"text":"But this one fund seems to be kind of shooting down faster than everybody else and then not coming back up as fast when the market goes up.","start_word":1675,"end_word":1702,"sentiment":"negative","sentiment_score":-0.4477865993976593},{"text":"Yeah.","start_word":1703,"end_word":1703,"sentiment":"neutral","sentiment_score":-0.18480084836483},{"text":"Well, if it's not performing the way it should be, just get rid of it.","start_word":1704,"end_word":1718,"sentiment":"negative","sentiment_score":-0.39729297161102295},{"text":"Yeah. So I'm gonna slot it out. And, basically, when you're in Hub twenty four like you are, Yep. it does have Yeah. the most investment options in the industry. It's about 1,300. Okay. Now what I'm gonna try and pick between is I'll I'll pick some options to recommend for you, but I just wanna see if you had any kind of gut feeling between the two styles that we can choose from. So, basically, you can go for low fees or pay higher fees for a higher return. One's passive, one's active. Which way does your gut feeling lean towards the If I can get higher return, like, how much higher are the fees? call?","start_word":1719,"end_word":1835,"sentiment":"neutral","sentiment_score":0.07076070457696915},{"text":"Well, the good news in this particular case, we constantly research the options, and we've got good ones in either style.","start_word":1836,"end_word":1856,"sentiment":"positive","sentiment_score":0.43359121680259705},{"text":"Yep. The option I wanna replace is around about a 1% fee, but there is another option out there that's, like, 0.9.","start_word":1857,"end_word":1878,"sentiment":"neutral","sentiment_score":0.1365097016096115},{"text":"It's about 10% cheaper, but it's been consistently performing well over one, three, five in ten years.","start_word":1879,"end_word":1895,"sentiment":"positive","sentiment_score":0.3698161244392395},{"text":"I wanna consider putting that one in instead. So it actually drops the fees a little bit. Okay. Is that the passive or aggressive? So oh, so that one is the an active replacement. Think of it this way. If Venmo is charging you 1% but returning 4%, this Yep. other one's charging point nine, but returning 12. Yeah. Yeah. That's We can do a passive option that's charging point two, but it's also returning 11. So it's, like, kind of putting the difference and not too much different, though. yeah. Well, just go the one that'll So give you point nine. yep. So I'll do, like, an updated plan for you where we just do the comparison. This is what we wanna switch out. This is what it does, the fees and the performance in the Yep. projection. I will base it on the contributions that are going into the super. Are you looking to do any salary sacrifice at the moment? I know you said cash is a bit strapped at the moment. Not really. But So if it is based on what the employer is putting in. yeah. Okay. So I'm gonna do a bit of a research request for that one. Probably take me a couple of weeks just to update everything, and Yep. then we'll go through that with you. Any questions on that so far? Nah. None at all. Like, I'm pretty easy. No. Like, When? as long as my going in the right direction and not the wrong direction, I'm happy. Absolutely. But but My I also job understand basically is like sorry. Go for it, mate. yeah. I also understand that it is gonna fluctuate. So yeah. Yeah. Can't Yeah. control the weather, but we can pick the vehicle, I guess, Yeah. what I usually say. That's it. And we won't go for a formula one racer for you because you probably don't wanna be slipping off the road with that little of risk, but we'll get you something No. that trucks along pretty steady. That's it. Speak. And with your your beneficiary nominations, just quickly checking estate plans, we have four beneficiaries listed. We've got Elizabeth, Elijah, Landon, and Aurora, all split four ways. Yep. Ways. So if you're comfortable with that nomination as is, the only one thing I would run by you is it seems to be like an online nomination. And when it's online, they set it as a non legally binding. And what it basically means is the super fund has discretion on where the super goes if someone, you know, calls up and can test it and things Yeah. like that. Yeah. So we can send you out, like, a form that makes it legally binding, but it does have to be, like, signed and and witnessed by a couple of adults if you're comfortable to do that. Yeah. That's okay. Is it One of Yep. the beneficiaries as well? No. So you have to be two adults that are not beneficiaries to witness your signature on the same day. I Oh, that's easy.","start_word":1896,"end_word":2413,"sentiment":"neutral","sentiment_score":0.08760787424376112},{"text":"Cool.","start_word":2414,"end_word":2414,"sentiment":"positive","sentiment_score":0.5532253980636597},{"text":"Now two options there. Like, we can email them out, and you can sort of print it, sign it, scan it back. But if it's easier, we can always post them out with a return envelope as well Yeah. if that That makes makes it a hell it of a lot easier easier because I don't have for a printer you. or Easy done. a I computer. will get Michelle to post it at you. That is no worries at all. Alrighty. So beneficiaries will just change the type, but keep the same people with the same percentages. Is that okay? Yep.","start_word":2415,"end_word":2516,"sentiment":"neutral","sentiment_score":0.1973833441734314},{"text":"Beautiful.","start_word":2517,"end_word":2517,"sentiment":"positive","sentiment_score":0.5472639799118042},{"text":"Now the last thing I wanted to cover is just in terms of the insurances. Yep. Now we've got here so you've got a Zurich insurance policy, life and disability insurance. Yep. Just shy of 600,000 of life insurance and a little bit under that for TBD cover, which is your total disability. Yeah. It's under $1,000 a year. Premium is pretty good, but there was a request that you said to to possibly try and top it up a little bit towards 750,000 or 1,000,000, something like that. I just Yes. wanted to get your current thoughts on the amount that you Sorry.","start_word":2518,"end_word":2621,"sentiment":"neutral","sentiment_score":-0.0220623891800642},{"text":"I'm just trying to get away from all the noisy people.","start_word":2622,"end_word":2632,"sentiment":"negative","sentiment_score":-0.4136999249458313},{"text":"prefer. You Okay. there still? Yep. I'm still here. Can you Yeah. hear me okay on your end? So what I'm sort of thinking is you've got that mortgage sitting at about 0.5 a mil, Yeah. and you've previously requested topping up the insurance a little bit. Just Yes. thinking the amount that you might be looking for. What would you suggest? Well, when the life insurance or TPD cover comes out in those life events, it'll essentially pay off the mortgage based Yep. on the Yeah. current policy. Now from there, the super comes into play as well. So just today's balance is a $102,000. That'll come Yeah. across with the Queen of Family Fort Worth. It it doesn't set them up in any other way to replace Yeah. your income for five, ten, twenty years, but it does clear the mortgage and give them $25 each in those. Yep. Now the thing to think about is we can't just increase the cover through Zurich. Because what happens is they go through underwriting, and they go, Yep. okay. Check your health history, all that kind of thing. Now you did mention that your your brother had been diagnosed with Parkinson's when he was about 40, Yeah. 41, I believe. Yeah. So what that kind of led up to in terms of the market is you would get an exclusion on Parkinson's for any increased cover, which is, Yep.","start_word":2633,"end_word":2871,"sentiment":"neutral","sentiment_score":-0.030938034877181053},{"text":"you know, not the worst thing in the world.","start_word":2872,"end_word":2880,"sentiment":"negative","sentiment_score":-0.3405734598636627},{"text":"The cover you've got, you could claim on anything, and the Yeah. increased cover, you just couldn't claim on Parkinson's for the increased amount. We did find a provider that was offering income protection and the licensed CPD, Yep.","start_word":2881,"end_word":2919,"sentiment":"neutral","sentiment_score":-0.03639199957251549},{"text":"which was pretty good for your occupation at the time.","start_word":2920,"end_word":2929,"sentiment":"positive","sentiment_score":0.3623134195804596},{"text":"So what I would actually be looking at is either a little bit of life and disability insurance top up if you wanted, like, Yep. another 200,000 or something like that Yeah. and possibly income protection if you were still wanting to look at that type of cover. Yeah. If that helps out. Is it income protection up front, or is that included? In terms of, like, the claim or the the prices? Or No. I love cheese. yeah. So you've got kind of like an annual premium that comes out of the super. Yep. And if we added on that policy, there'd be another annual premium that comes out Yep. funded through the super there. I would obviously make sure that we didn't put anything that was too expensive in place to drag the super back as of course. Yep. What we've got to kind of pick between is there's a huge range in the prices based on your waiting period and your benefit period. Yep. Now what that kind of excuse me. Sorry. Paul said to clear my throat. You're When right. it comes to the waiting period and the benefit period, you've got, like, a Yeah. standard waiting period of thirty days where you're out of work for a month, and here's the monthly income replacement. If you have a lot of leave and savings, you can kick that out sixty or ninety days, and that'll Yeah. get the premiums down. But then you've got a last kind of three months on the run. Yeah. Any thoughts there? Just leave it at the thirty days. Right? Yep. Or if or even yeah. That'll do. I've usually got four weeks of annual leave and sick pay up my sleeve anyway. Yep. And then that'll kick in after that.","start_word":2930,"end_word":3229,"sentiment":"neutral","sentiment_score":0.02904434219002724},{"text":"Yeah. Perfect.","start_word":3230,"end_word":3231,"sentiment":"positive","sentiment_score":0.44749003648757935},{"text":"Now the next thing in terms of the benefit period, so let's say I was going full comprehensive. You would Yep. get a policy that pays you all the way up to the age of 65. So thirty Yep. days and 65. Below that, you can drop down to five years or two years to get the premium lower, and it covers you more for short to medium term.","start_word":3232,"end_word":3300,"sentiment":"neutral","sentiment_score":0.14138242602348328},{"text":"Yeah. Sounds good.","start_word":3301,"end_word":3303,"sentiment":"positive","sentiment_score":0.48944327235221863},{"text":"Now one thing I'm just gonna quickly check is we usually flag it if it's more than 30% of your contributions as a price so it doesn't slide you super backwards. So Yep. if you're okay for me to kind of aim for that five year, two year, you've got the income protection if something happens to you you short term. If something long term happens, there's your 700,000 of total disability pops out. Yep. How's that sound? Yep.","start_word":3304,"end_word":3382,"sentiment":"neutral","sentiment_score":0.0652894526720047},{"text":"Sounds good. Cool.","start_word":3383,"end_word":3385,"sentiment":"positive","sentiment_score":0.42136508226394653},{"text":"Last thing I'll say on it is when you first got through a policy, you're under, like, a white collar occupation, and Yep. they've got you currently listed as a store man for the new cover. So that's why Yep. I have to kind of shop around with somebody else. Yeah. Cool. So what I'll basically do is I'll put together some quotes. I'll tweak the investments inside the super, and then we'll get you back in with me to kind of run through the plan in writing if that's okay. Yes.","start_word":3386,"end_word":3477,"sentiment":"neutral","sentiment_score":0.04810384288430214},{"text":"Sounds good. Awesome, mate.","start_word":3478,"end_word":3481,"sentiment":"positive","sentiment_score":0.4583289623260498},{"text":"Any questions on that so far? No. That's it.","start_word":3482,"end_word":3490,"sentiment":"neutral","sentiment_score":0.08102311939001083},{"text":"Fantastic.","start_word":3491,"end_word":3491,"sentiment":"positive","sentiment_score":0.44560882449150085},{"text":"Alrighty. I've sent you off that annual review pack. It's Yep. got your performance, your certificate for the insurances, our service guides with our updated licensing details, and then just the hub twenty four consent form if you're still Yep. comfortable for us to remain advisers on your account. I'll just have to Just to sign let that you know when as I well. get a fine. Yeah. So what I'll do is I'll resend it through to you just so it's fresh. And if you're comfortable with that, that'll come back to us. We still do charge the the 1.65% through the super, though. There Yep. is discounts now when you get above 200,000, so we'll get you there as quick as we can. Wait.","start_word":3492,"end_word":3617,"sentiment":"neutral","sentiment_score":0.12159813940525056},{"text":"Awesome.","start_word":3618,"end_word":3618,"sentiment":"positive","sentiment_score":0.3462856709957123},{"text":"Hopefully, we've hit twenty four minutes. I've tried to keep it under half an hour, but do you have any other questions for me before I let you go? No. That's it. Alright.","start_word":3619,"end_word":3651,"sentiment":"neutral","sentiment_score":0.05719664760611274},{"text":"As long as the soup is performing in the way it's meant to be, I'm happy. Easy done, mate. You leave it with me. I'll put the new plan together, and I'll put you in a couple of weeks. Alright. Sounds good. Thank you very much. Thanks, mate. See you later.","start_word":3652,"end_word":3702,"sentiment":"positive","sentiment_score":0.515619158744812},{"text":"Alright. Bye. Bye.","start_word":3703,"end_word":3705,"sentiment":"neutral","sentiment_score":0.28492680191993713}],"average":{"sentiment":"neutral","sentiment_score":0.05208270660858683}}}}